Pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan mudharabah pada bank umum syariah periode 2018-2020

Authors

  • Noppia Anggraini Universitas Islam Negeri Fatmawati Sukarno Bengkulu, Indonesia
  • Miti Yarmunida Universitas Islam Negeri Fatmawati Sukarno Bengkulu, Indonesia
  • Nenan Julir Universitas Islam Negeri Fatmawati Sukarno Bengkulu, Indonesia

DOI:

https://doi.org/10.46963/jam.v8i2.2885

Keywords:

Mudharabah, DPK, NPF

Abstract

This research aims to determine and test the influence of third party funds (DPK) and non-performing financing (NPF) both partially and simultaneously on mudharabah financing in Islamic commercial banks in Indonesia for the 2018-2020 period. Using quantitative research with research objects at Sharia Commercial Banks. Purposive sampling was used to take samples for this research, resulting in a sample of 4 Sharia Commercial Banks. Data analysis techniques use multiple linear regression and hypothesis testing. Testing in this research uses SPSS 26. The research results show data that DPK has a significant effect on mudharabah financing. This is indicated by a significance value of 0.028 <0.05. NPF has no effect on mudharabah financing. This is indicated by a significance value of 0.193 > 0.05. DPK and NPF simultaneously influence mudharabah financing. This is indicated by a significance value of 0.034 <0.05.

Downloads

Download data is not yet available.

References

Ajizah, I., & Widarjono, A. (2023). Indonesia Islamic Banking Stability in The Shadow of Covid-19 Outbreak. Jurnal Ekonomi Syariah Teori dan Terapan, 10(1). https://e-journal.unair.ac.id/JESTT/article/view/39878

Ali, M., & Miftahurrohman, M. (2016). Analisis Pengaruh NPF terhadap Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia. Jurnal Ekonomi Syariah Indonesia, 5(2), 145–153.

Alif, M. N., & Nurhikmah, I. (2017). Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel. AL-FALAH Journal of Islamic Economics 2(1), 1, http://dx.doi.org/10.29240/jie.v2i1.161.

Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani Press.

Arifin, Z. (2023). Keseimbangan Likuiditas dan Risiko Pembiayaan dalam Perbankan Syariah. Jurnal Keuangan Syariah Indonesia, 15(1), 12–25. https://doi.org/10.21009/jksi.15.1.002

Destiana, L. (2016). Pengaruh Dana Pihak Ketiga terhadap Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia. Jurnal Ilmiah Akuntansi dan Keuangan, 5(2), 45–52.

Destiana, R. (2016). Analisis Dana Pihak Ketiga Dan Risiko Terhadap Pembiayaan Mudharabah Dan Musyarakah Pada Bank Syariah Di Indonesia. . Jurnal Logika, XVII(2).

Econometrics of Panel Data: Methods and Applications. (2023). Oxford University Press.

Fadilah, N., & Karim, R. (2024). Determinants of third-party funds in Indonesian Islamic commercial banks: An empirical analysis. Journal of Islamic Financial Management, 9(1), 23–35.

Fatmawati, N. L. (2020). Analisis Tingkat Profitabilitas Perbankan Syariah di Indonesia. BAABU AL-ILMI, 1.

Fauzan, R., & Lestari, D. (2024). Implementation of mudharabah financing in Indonesian Islamic banking: Opportunities and challenges. Journal of Islamic Economics and Finance Studies, 8(2), 101–115.

Fernanda, S. (2017). Pengaruh Dpk, Car, Npf Dan Roa Terhadap Pembiayaan Mudharabah Dan Musyarakah Pada Bank Syariah Mandiri Periode 2011-2015. . Jurnal Ekonomi & Bisnis Dharma Andalas, 19 (2).

Hasanah, N., & Putri, S. D. (2024). The influence of third-party funds and financing on profitability of Islamic commercial banks in Indonesia. Journal of Islamic Banking and Finance Innovation, 10(1), 67–78.

Hidayat, M., & Rahman, S. (2024). The impact of non-performing financing on the financial stability of Islamic banks in Indonesia. Journal of Islamic Banking and Finance Research, 9(1), 77–89.

Ikatan Bankir Indonesia. (2024). Manajemen Risiko Pembiayaan pada Bank Syariah (Edisi Revisi). Jakarta: Gramedia Pustaka Utama.

Indonesia, k. B. (2015). Bisnis Kredit Perbankan. Jakarta: PT. Gramedia Pustaka .

Indriani. (2016). Pengaruh Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR),Dan Non Performing Financing (NPF) Terhadap Profitabilitas Bank Syariah Dengan Pembiayaan Sebagai Variabel Intervening. . Diponegoro Journal Od Management, 5 (4).

Ismail, F., & Hidayat, R. (2024). Mudharabah financing and its impact on SME development in Islamic banking: Evidence from Indonesia. Journal of Islamic Economic Development, 9(2), 56–70.

Karim, A. A. (2022). Manajemen Risiko Bank Syariah: Strategi, Implementasi, dan Tantangan Pasca Pandemi. Jakarta: Rajawali Pers.

Mappasere, S. A., & Suyuti, N. (2019). Pengertian Penelitian Pendekatan Kualitatif. Metode Penelitian Sosial.

Meilani, R., & Wirman, M. (2021). Faktor-faktor yang Mempengaruhi Pembiayaan Mudharabah di Bank Umum Syariah. Jurnal Ekonomi Islam Indonesia, 9(2), 101–113.

Nasution, A., & Pratama, M. (2023). Public trust and third-party fund growth in Islamic banking: Evidence from Indonesia. International Journal of Islamic Banking and Finance Research, 7(4), 98–109.

Nisa, A. (2019). Metodologi Penelitian Bisnis. Jakarta: Salemba Empat.

Nisa, K. (2019). Pengaruh Ukuran Bank, Kecukupan Modal, dan Risiko Pembiayaan terhadap Profitabilitas (Studi Empiris pada Bank Umum Syariah di Indonesia Periode 2014-2018). 1(1).

Otoritas Jasa Keuangan. (2024). Laporan Perkembangan Keuangan Syariah Indonesia (LPKSI) 2023. Jakarta: Otoritas Jasa Keuangan. https://www.ojk.go.id/id/kanal/syariah/berita-dan-kegiatan/publikasi/Pages/Laporan-Perkembangan-Keuangan-Syariah-Indonesia-2023.aspx

Otoritas Jasa Keuangan. (2024). Laporan Perkembangan Keuangan Syariah Indonesia (LPKSI) 2023. Jakarta: Otoritas Jasa Keuangan. https://www.ojk.go.id/id/kanal/syariah/berita-dan-kegiatan/publikasi

Otoritas Jasa Keuangan. (2024). Statistik Perbankan Syariah Indonesia 2024. Jakarta: Otoritas Jasa Keuangan. https://www.ojk.go.id/id/kanal/syariah/data-dan-statistik

Puspita, M. D., Barnas, A. S., & Purbayati, R. (2020). Pengaruh Dana Pihak Ketiga, Non Performing Financing, dan Inflasi terhadap Pembiayaan Mudharabah pada Bank Umum Syariah. Jurnal Akuntansi, Keuangan, dan Ekonomi (JAIEF), 3(2), 98–108. https://jurnal.polban.ac.id/jaief/article/view/3051

Putra, A. R., & Rahman, M. S. (2024). The resilience of Islamic banking in supporting household economic recovery in Indonesia. Journal of Islamic Finance and Economics, 9(1), 45–56.

Rachmawati, L., & Azizah, N. (2023). Determinants and implications of non-performing financing in Indonesian Islamic banks. Asian Journal of Islamic Economics and Finance, 8(2), 90–102.

Rachmawati, N., & Syahputra, F. (2024). Non-performing financing and its impact on Islamic bank stability in Indonesia. Asian Journal of Islamic Economics and Business, 11(2), 89–102.

Rahman, M. F., & Dewi, A. N. (2023). Third-party funds and financing performance of Indonesian Islamic banks during and after the Covid-19 pandemic. Asian Journal of Islamic Economics and Finance, 8(2), 134–146.

Refinitiv. (2023). Islamic Finance Development Report 2023: Advancing Economies. Refinitiv & Islamic Corporation for the Development of the Private Sector (ICD). https://www.refinitiv.com/en/sustainable-finance/islamic-finance

Rohman, F., & Puspita, R. (2024). Analisis Simultan Pengaruh Dana Pihak Ketiga dan Risiko Pembiayaan terhadap Pembiayaan Bagi Hasil Bank Umum Syariah di Indonesia. Jurnal Ekonomi dan Perbankan Syariah, 14(2), 45–58. https://doi.org/10.22437/jebsi.v14i2.34201

Sugiyono. (2015). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.

Wibowo, D., & Safitri, A. (2023). Risk management practices and financing quality in Indonesian Islamic banks post-pandemic. International Journal of Islamic Banking and Finance Research, 7(3), 112–124.

Widiastuti, L., & Kurnia, R. (2024). Analisis Risiko Pembiayaan dan Stabilitas Keuangan Bank Syariah di Indonesia: Periode Pasca Pandemi Covid-19. Jurnal Keuangan dan Perbankan Syariah, 12(1), 33–47. https://doi.org/10.21009/jkps.12.1.004

Wulan, D., & Diana, N. (2023). Pengaruh Dana Pihak Ketiga dan Non Performing Financing terhadap Pembiayaan Mudharabah pada Bank Umum Syariah periode 2016–2020. Jurnal MEDEK: Media Ekonomi dan Manajemen, 23(1). https://doi.org/10.30595/medek.v23i1.16196

Yuliani, N., & Fitria, L. (2023). Profit-sharing mechanisms and risk management in mudharabah financing of Islamic banks. International Journal of Islamic Finance and Business Studies, 8(3), 87–99.

Zulyanto, M. (2024). Dampak Pandemi Covid-19 Terhadap Kinerja Perbankan Syariah di Indonesia. Convergence: The Journal of Economic Development, 7(2). https://ejournal.unib.ac.id/convergence-jep/article/view/32478

Additional Files

Published

2025-12-30

Issue

Section

Articles

How to Cite

Anggraini, N., Yarmunida, M., & Julir, N. (2025). Pengaruh dana pihak ketiga dan non performing financing terhadap pembiayaan mudharabah pada bank umum syariah periode 2018-2020. AL-Muqayyad, 8(2), 120-136. https://doi.org/10.46963/jam.v8i2.2885