PEMBIAYAAN BAGI HASIL PADA BANK PEMBIAYAAN RAKYAT SYARIAH: Kajian Terhadap Faktor Kinerja BPRS Dan Makroekonomi

Vadila Nur Aisyah, - and Juliana, - and Rumaisah Azizah Al Adawiyah, - (2025) PEMBIAYAAN BAGI HASIL PADA BANK PEMBIAYAAN RAKYAT SYARIAH: Kajian Terhadap Faktor Kinerja BPRS Dan Makroekonomi. S1 thesis, Universitas Pendidikan Indonesia.

Abstract

Bank Pembiayaan Rakyat Syariah (BPRS) memiliki peran strategis dalam mendukung pembiayaan usaha mikro, kecil, dan menengah (UMKM) melalui skema bagi hasil seperti mudharabah dan musyarakah. Namun, realisasi pembiayaan berbasis bagi hasil masih rendah dibandingkan akad murabahah karena dianggap berisiko tinggi dan memerlukan pengawasan intensif. Penelitian ini bertujuan menganalisis pengaruh faktor kinerja BPRS, yaitu dana pihak ketiga, non-performing financing, dan tingkat bagi hasil, serta faktor makroekonomi seperti suku bunga, indeks produksi industri, inflasi, dan nilai tukar terhadap pembiayaan bagi hasil di BPRS dalam jangka pendek dan panjang. Pendekatan teori yang digunakan meliputi teori agensi dan teori permintaan penawaran. Penelitian ini menggunakan pendekatan kuantitatif dengan metode kausalitas dan dianalisis menggunakan model Autoregressive Distributed Lag (ARDL). Data yang digunakan berupa data bulanan periode Januari 2015 hingga Desember 2024. Hasil penelitian menunjukkan bahwa dalam jangka panjang, pembiayaan bagi hasil dipengaruhi secara positif signifikan oleh dana pihak ketiga, tingkat bagi hasil, dan suku bunga, serta dipengaruhi secara negatif signifikan oleh non-performing financing. Sementara dalam jangka pendek, indeks produksi industri dan nilai tukar berpengaruh positif signifikan, sedangkan inflasi tidak berpengaruh baik dalam jangka pendek maupun panjang. Temuan ini diharapkan dapat menjadi dasar pertimbangan dalam merumuskan kebijakan yang mendorong optimalisasi pembiayaan bagi hasil di BPRS dan peningkatan akses pembiayaan bagi sektor UMKM. ; Islamic Rural Banks (IRB) play a strategic role in supporting the financing of micro, small, and medium enterprises (MSMEs) through profit-sharing schemes such as mudharabah and musyarakah. However, the realization of profit-sharing-based financing remains low compared to murabahah contracts, as it is considered high-risk and requires intensive monitoring. This study aims to analyze the influence of IRB performance factors, namely third-party funds, non-performing financing, and profit-sharing rates, as well as macroeconomic variables such as interest rates, industrial production index, inflation, and exchange rates on profit-sharing financing in IRB in both the short and long term. The theoretical framework used includes agency theory and the theory of supply and demand. This study adopts a quantitative approach with a causal method and is analyzed using the Autoregressive Distributed Lag (ARDL) model. The data used are monthly data from January 2015 to December 2024. The results show that in the long run, profit-sharing financing is significantly positively influenced by third-party funds, profit-sharing rates, and interest rates, and significantly negatively affected by non-performing financing. In the short term, the industrial production index and exchange rate have a significant positive effect, while inflation shows no effect in either the short or long term. These findings are expected to serve as a basis for formulating policies that encourage the optimization of profit-sharing financing in IRB and enhance access to financing for the MSME sector.

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Item Type:	Thesis (S1)
Additional Information:	https://scholar.google.com/citations?view_op=new_profile&hl=en ID SINTA Dosen Pembimbing: Juliana: 6649754 Rumaisah Azizah Al Adawiyah: 6722046
Uncontrolled Keywords:	Pembiayaan bagi hasil, Bank Pembiayaan Rakyat Syariah, dana pihak ketiga, non-performing financing, tingkat bagi hasil, suku bunga, indeks produksi industri, inflasi, nilai tukar, autoregressive distributed lag. ; Profit sharing financing, Islamic Rural Banks, third-party funds, non-performing financing, profit-sharing rate, interest rate, industrial production index, inflation, exchange rate, autoregressive distributed lag.
Subjects:	B Philosophy. Psychology. Religion > BP Islam. Bahaism. Theosophy, etc H Social Sciences > HG Finance H Social Sciences > HJ Public Finance L Education > L Education (General)
Divisions:	Fakultas Pendidikan Ekonomi dan Bisnis > Ilmu Ekonomi dan Keuangan Islam
Depositing User:	Vadila Nur Aisyah
Date Deposited:	08 Sep 2025 03:50
Last Modified:	08 Sep 2025 03:50
URI:	http://repository.upi.edu/id/eprint/137966

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