Determinasi portofolio pembiayaan umkm dengan moderasi variabel inklusi keuangan syariah
Info Katalog
File Repositori
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2026
Pembimbing 1 : Soeharjoto
Pembimbing 2 : Soeharjoto
Kata Kunci : . MSMEfFinancing, capital adequacy ratio (CAR), third-party funds (DPK), financing to dep
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
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| 1. | 2026_TS_MIE_121012400019_Halaman-Judul.pdf | ||
| 2. | 2026_TS_MIE_121012400019_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2026_TS_MIE_121012400019_Surat-Hasil-Similaritas.pdf | 2 | |
| 4. | 2026_TS_MIE_121012400019_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2026_TS_MIE_121012400019_Lembar-Pengesahan.pdf | 4 | |
| 6. | 2026_TS_MIE_121012400019_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2026_TS_MIE_121012400019_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2026_TS_MIE_121012400019_Bab-1.pdf | 7 | |
| 9. | 2026_TS_MIE_121012400019_Bab-2.pdf |
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| 10. | 2026_TS_MIE_121012400019_Bab-3.pdf |
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| 11. | 2026_TS_MIE_121012400019_Bab-4.pdf |
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| 12. | 2026_TS_MIE_121012400019_Bab-5.pdf | ||
| 13. | 2026_TS_MIE_121012400019_Daftar-Pustaka.pdf | ||
| 14. | 2026_TS_MIE_121012400019_Lampiran.pdf |
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A Abstrakpenelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio (car), dana pihak ketiga (dpk), financing to deposit ratio (fdr), non-performing financing (npf), return on assets (roa), dan inklusi keuangan syariah terhadap pembiayaan usaha mikro, kecil, dan menengah (umkm) pada perbankan syariah di indonesia, serta menguji peran inklusi keuangan syariah sebagai variabel moderasi. penelitian menggunakan data sekunder berbentuk time series kuartalan periode 2015q1–2024q4 yang diperoleh dari publikasi resmi otoritas jasa keuangan (ojk), badan pusat statistik (bps), dan sumber terkait lainnya. metode analisis yang digunakan adalah moderated regression analysis (mra) dengan bantuan perangkat lunak eviews 14. hasil penelitian menunjukkan bahwa secara parsial dana pihak ketiga (dpk) dan inklusi keuangan syariah berpengaruh positif dan signifikan terhadap pembiayaan umkm, sedangkan capital adequacy ratio (car) dan non-performing financing (npf) berpengaruh negatif dan signifikan terhadap pembiayaan umkm. sementara itu, financing to deposit ratio (fdr) dan return on assets (roa) tidak berpengaruh signifikan terhadap pembiayaan umkm. pengujian moderasi menunjukkan bahwa inklusi keuangan syariah mampu memoderasi pengaruh car, dpk, fdr, dan npf terhadap pembiayaan umkm, tetapi tidak mampu memoderasi pengaruh roa. secara simultan, seluruh variabel independen beserta variabel interaksi berpengaruh signifikan terhadap pembiayaan umkm dengan nilai prob(f-statistic) sebesar 0,000000. nilai adjusted r-squared sebesar 0,944169 menunjukkan bahwa model mampu menjelaskan 94,42% variasi pembiayaan umkm, sedangkan sisanya 5,58% dipengaruhi oleh faktor lain di luar model penelitian. temuan penelitian menunjukkan bahwa peningkatan penghimpunan dana masyarakat, pengendalian risiko pembiayaan, serta penguatan inklusi keuangan syariah merupakan faktor strategis dalam meningkatkan pembiayaan umkm pada perbankan syariah. oleh karena itu, sinergi antara perbankan syariah, regulator, dan pelaku umkm diperlukan untuk memperluas akses pembiayaan yang inklusif, berkelanjutan, dan mampu mendukung pertumbuhan ekonomi nasional.kata kunci: pembiayaan umkm, capital adequacy ratio (car), dana pihak ketiga (dpk), financing to deposit ratio (fdr), non-performing financing (npf), return on assets (roa), inklusi keuangan syariah, moderated regression analysis (mra).
A Abstractthis study aims to examine the effects of capital adequacy ratio (car), third-party funds (dpk), financing to deposit ratio (fdr), non-performing financing (npf), return on assets (roa), and islamic financial inclusion on micro, small, and medium enterprises (msme) financing in the indonesian islamic banking industry. furthermore, this study investigates the moderating role of islamic financial inclusion in the relationship between internal banking factors and msme financing. the study employs quarterly secondary time-series data covering the period from q1 2015 to q4 2024, obtained from publications of the financial services authority (ojk), statistics indonesia (bps), and other relevant official sources. the data were analyzed using moderated regression analysis (mra) with eviews 14 software. the findings reveal that third-party funds (dpk) and islamic financial inclusion have a positive and significant effect on msme financing, whereas capital adequacy ratio (car) and non-performing financing (npf) have a negative and significant effect on msme financing. meanwhile, financing to deposit ratio (fdr) and return on assets (roa) do not have a significant effect on msme financing. the moderation analysis indicates that islamic financial inclusion significantly moderates the effects of car, dpk, fdr, and npf on msme financing but does not moderate the effect of roa. simultaneously, all independent variables and interaction terms significantly influence msme financing, as indicated by a prob (f-statistic) value of 0.000000. furthermore, the adjusted r-squared value of 0.944169 demonstrates that approximately 94.42% of the variation in msme financing is explained by the proposed model, while the remaining 5.58% is attributable to factors outside the model. the results suggest that strengthening third-party funds, maintaining financing quality by controlling financing risk, and enhancing islamic financial inclusion are strategic factors in expanding msme financing within the islamic banking sector. therefore, stronger collaboration among islamic banks, regulators, and msmes is essential to promote broader access to inclusive and sustainable financing, thereby supporting indonesia\\\'s long-term economic development.