The Supporting of Sharia Rural Banks Financing On National Financial Inclusion

  • Nenny Ariani STIE AMM, Mataram

Abstract

The purpose of this study is to examine the effect Sharia Rural Banks Financing through Micro Small Medium Entreprise (MSMEs) financing on Financial Inclusion in Indonesia from 2011 to 2018. The study samples consists of Financial Reporting of Sharia Rural Bank from the Indonesian Financial Service Authority and Financial Inclusion from Growth Economi Report  of  Indonesia Central Bank. This study uses a quantitative approach with secondary Financial Inclusion data as measured by MSME Business Expansion Credit and Gross Domestic Product (GDP) using linear regression method to test the effect of variables.The results show that Sharia Rural Banks Financing has a significant effect to GDP (Gross Domestic Product) as a Financial Inclusion in Indonesia. The results of the study also showed that MSMEs Financing in Sharia Rural Banks did not have a significant relationship with Net Expansion credit because of Internal inhibiting the development of MSMEs such as low human resources, organizational management, addition limitations information technology and creativity

Downloads

Download data is not yet available.

References

Allen, Franklin, Asli Demirguc-Kunt, Leora Klapper, and Maria Soledad Martinez Peria. 2016. “The Foundations of Financial Inclusion: Understanding Ownership and Use of Formal Accounts.” Journal of Financial Intermediation 27:1–30.
Aurora Lubis, Tona. 2016. “Pemanfaatan Teknologi Informasi Pada Usaha Mikro Kecil Dan Menengah Di Kota Jambi.” Jurnal Perspektif Pembiayaan Dan Pembangunan Daerah 3(3):2338–4603.
Bank Indonesia. 2015. “Profil Bisnis Usaha Mikro, Kecil Dan Menengah (Umkm) Kerjasama Lppi Dengan Bank Indonesia Tahun 2015.”
Chakrabarty, Kamalesh Shailesh C. 2012. “Financial Inclusion – Issues in Measurement & Analysis.” IFC Workshop on Financial Inclusion Indicators.
Cheng, Xiaoqiang and Hans Degryse. 2010. “The Impact of Bank and Non-Bank Financial Institutions on Local Economic Growth in China.” Journal of Financial Services Research 37(2–3):179–99.
Darwanto. 2013. “Peningkatan Daya Saing Umkm Berbasis Inovasi Dan Kreativitas (Strategi Penguatan Property Right Terhadap Inovasi Dan Kreativitas).” Jurnal Bisnis Dan Ekonomi (JBE) 20(2):142–49.
Kamath, Rajalaxmi. 2007. “Financial Inclusion Vis-a-Vis Social Banking.” Economic and Political Weekly 42(15):1334–35.
Kara, Muslimin. 2014. “Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro, Kecil, Dan Menengah.” AHKAM:Jurnal Ilmu Syariah 13(2):315–22.
Lestari, Retno Dwi and Nur Hisamuddin. 2015. “Analisis Pengaruh Fungsi Intermediasi Dan Kebijakan Jenis Produk Pembiayaan Terhadap Kinerja Bank Syariah Dengan Risiko Pembiayaan Sebagai Variabel Intervening Analysis of the Influence Intermediation Function and Policy Types of Financing Products on Isl.”
Mohieldin M, Iqbal Z, Rostom A, Fu X. 2012. “The Role of Islamic Finance in Enhancing Financial Inclusion in Organization of Islamic Cooperation ( OIC ) Countries.” 20(2):55–120.
Mohiuddin, Zaeema Asrar, Rukhshinda Begum, and Farheen Zehra Rizvi. 2018. “Ineffective Awareness of Islamic Banking Products as A Root Cause of Reluctance for the Same by Corporate Customers: A Case Study of MCB – NIB Merger in Pakistan.” European Scientific Journal, ESJ 14(13):134.
Nengsih, Novia. 2015. “Peran Perbankan Syariah Dalam Mengimplementasikan Keuangan Inklusif Di Indonesia.” Etikonomi 14(2):221–40.
Nofinawati. n.d. “Akad Dan Produk Perbankan Syariah.” 219–34.
PPN/BAPPENAS, Kementrian. 2018. “Kondisi Pertumbuhan Ekonomi.”
Prayogi, Muhammad Andi and Lukman Hakim Siregar. 2017. “Pengaruh Pembiayaan Mikro Syariah Terhadap Tingkat Perkembangan Usaha Mikro Kecil Menengah ( UMKM ) The Influence of Sharia Micro Financing On The Development Rate of Micro Small and Medium Enterprises ( UMKM ).” 17(2):121–31.
Rifa’i .A. 2017. “Peran Bank Pembiayaan Rakyat Syariah Dalam Mengimplementasikan Keuangan Inklusif Melalui Pembiayaan UMKM Achmad Rifa ’ i Latar Belakang Indonesia Merupakan Salah Satu Negara Yang Diprediksi Beberapa Tahun Mendatang Akan Menjadi Bagian Dari 5 Besar Negara.” 2(2):177–200.
Rini, Hana Zunia. 2017. “Peran Perbankan Syariah Terhadap Eksistensi UMKM Industri Rumah Tangga Batik Laweyan.” Academia 1(1).
Saleh, Baso and Yayat D. Hadiyat. 2016. “Penggunaan Teknologi Informasi Di Kalangan Pelaku Usaha Mikro Kecil Menengah Di Daerah Perbatasan ( Studi Di Kabupaten Belu Provinsi Nusa Tenggara Timur ) Use of Information Technology among Performers Micro Small Medium Enterprises in the Border Area ( S.” Pekommas 1(2):141–52.
Shahulhameedu, M. 2014. “Financial Inclusion - Issues in Measurement and Analysis.” International Journal of Current Research and Academic Review 2(2):116–24.
Trimulato, Trimulato. 2017. “Analisis Potensi Produk Musyarakah Terhadap Pembiayaan Sektor Riil Umkm.” Jurnal Ekonomi & Studi Pembangunan 18(1):41–51.
Published
2020-05-20
How to Cite
ARIANI, Nenny. The Supporting of Sharia Rural Banks Financing On National Financial Inclusion. International Journal of Islamic Business and Economics (IJIBEC), [S.l.], v. 4, n. 1, p. 40-50, may 2020. ISSN 2615-420X. Available at: <http://e-journal.iainpekalongan.ac.id/index.php/IJIBEC/article/view/1980>. Date accessed: 30 may 2020. doi: https://doi.org/10.28918/ijibec.v4i1.1980.