SERTIFIKAT WADIAH BANK INDONESIA (SWBI), JUMLAH UANG BEREDAR (M1), NON PERFORMING FINANCING (NPF), DAN INFLASI TERHADAP PEMBIAYAAN MURABAHAH PADA BANK SYARIAH

Tony S. Chendrawan

Abstract


ABSTRACT
The purpose of this research is to analyze the influence of some Islamic banking external factor variables, such as; M1, inflation, and SWBI, and the internal factor of Islamic banking variable such as; Non Performing Financing (NPF) to Murabaha financing. This reserach uses time series data during the period of June 2010 to June 2015. These data are collected from the publication of Bank of Indonesia and OJK (Financial Services Authority) according to the Sharia
Banking statistics report. This research uses multiple regression analysis with Ordinary Least Square (OLS) method. According to the research results, some variables of external factor such as variable of M1 and variable of inflation have positive and significant influence to the financing of Murabaha, while the SWBI variable shows insignificant to the financing of Murabaha. On the other hand, the internal factor variable particularly NPF has negative and significant influence to the financing of murabaha.

Kata kunci: Inflation, M1, SWBI, NPF, Murabaha Financing, and OLS

ABSTRAK
Tujuan dari penelitian ini adalah untuk menganalisa pengaruh beberapa variable-variabel faktor eksternal perbankan islam, seperti; M1. Inflasi, dan SWBI, beserta variabel faktor perbankan islam seperti Non Performing Financing (NPF) terhadap pembiayaan murabahah. Penelitian ini menggunakan data runtut waktu dalam kurun waktu Juni 2010 sampai dengan Juni 2015. Data-data tersebut diperoleh dari publikasi Bank Indonesia dan OJK (Otoritas Jasa Keuangan) berdasarkan laporan Statistik Perbankan Syariah. Penelitian ini menggunakan analisis regresi berganda dengan menggunakan metode OLS. Berdasarkan hasil penelitian, beberapa variabel-variabel faktor eksternal seperti variabel M1 dan variabel inflasi mempunyai pengaruh positif dan signifikan terhadap pembiayaan murabaha, sedangkan variabel SWBI menunujukkan pengaruh signifikan terhadap pembiayaan murabaha. Disisi lain, variabel faktor internal khususnya NPF mempunyai pengaruh negatif dan signifikan terhadap pembiayaan murabaha.
Kata kunci: inflasi, M1, SWBI, NPF, Pembiayaan murabaha dan OLS


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DOI: http://dx.doi.org/10.35448/jequ.v6i2.4341

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