Analisis Pembiayaan Sektor Perdagangan Hotel dan Restoran pada Perbankan Syariah di Indonesia
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Published:
Dec 26, 2014
Keywords:
Financing, Islamic Banking, THR Sector, Vector Error Correction Model (VECM)
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Abstract
Islamic banking is an alternative for entrepreneurs in trade, hotel, and restaurants (THR) to obtain capital relief that can push the pace of economic. The purpose of this study was to analyze the response of Islamic banking financing ratios on THR sector in the event of shocks to the banking performance factors, monetary instruments, macroeconomic conditions and the rate of return and analyze the contribution of each variable in explaining the diversity of Islamic financing ratios in THR sector. The analytical method used is Vector Error Correction Model (VECM) with variables that describe the performance of banking, macroeconomic conditions, monetary instruments, and financial returns. The results showed that, shocks to the variables Industrial Production Index (IPI), lending rates (SBK) and equivalent rate financing (ERP) will be responded positively by Islamic financing ratio of THR sector. While shocks to the variables of Third Party Funds (TPF), troubled financing (NPF), a bonus SBI Sharia (BSBIS), inflation (INF) and the placement of funds in the money market with Sharia principles (PUAS) will be responded negatively by Islamic financing ratio of THR sector. Based on this research, Islamic banking should be more focus on financing for the PHR sector because it will provide a great benefit to the development of the real sector.
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Ascarya. 2002. Instrumen-instrumen Pengendalian Moneter. Jakarta (ID): Pusat Pendidikan dan Studi Kebanksentralan.
Ascarya. 2012. Alur transmisi dan efektivitas kebijakan moneter ganda di Indonesia. [jurnal]. Jakarta (ID): Buletin Ekonomi Moneter dan Perbankan Edisi Januari 2012
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Dewan Syariah Nasional. 2007. Sertifikat Bank Indonesia Syariah. Tersedia pada http://www.mui.or.id
Firdaus M. 2011. Aplikasi Ekonometrika Untuk Data Panel dan Time Series. Jakarta(ID): IPB Press
Ghafur M. 2007. Potret Perbankan Syariah Indonesia Terkini. Jakarta (ID): Biruni press.
Gujarati DN. 2006. Dasar-Dasar Ekonometrika. Jilid 1. Julius A Mulyadi, penerjemah. Jakarta (ID): Erlangga
Huda N, Idris HR, Nasution EW, Wiliasih R. 2008. Ekonomi Makro Islam. Jakarta (ID): Kencana
Kasmir. 2002. Dasar-Dasar Perbankan. Jakarta(ID): PT. Raja Grafindo Persada.
Karim A. 2010. Bank Islam : Analisis Fiqh dan Keuangan (Edisi Keempat). Jakarta (ID): PT. Raja Grafindo Persada
Kementerian Keuangan Republik Indonesia. 2012. Tim kajian profil sektor riil: sektro perdagangan, hotel, dan restoran. Tersedia pada: http://www.kemenkeu.go.id
Mahkamah Agung Republik Indonesia. (2009). Kompilasi Hukum Ekonomi Syariah. Jakarta (ID): Kencana
Shihab, Quraish. Tafsir Al-Misbah, Pesan dan Keserasian Al-Quran. Jakarta:
Lentera Hati, 2002, Cet. Ke-XI
Kusumawati NN. 2013. Analisis Pembiayaan Sektor Konstruksi pada Perbankan Syariah di Indonesia. [jurnal]. Jakarta (ID): Al-Muzara’ah Jurnal Ekonomi Syariah Volume 1 Edisi 2 Tahun 2013.
Lipsey RG. 1995. Pengantar Makroekonomi. Jakarta (ID): Binarupa Aksara
Nugroho R. 2009. Analisis faktor-faktor penentu pembiayaan perbankan syariah di Indonesia: aplikasi model vector error correction [tesis]. Bogor (ID) Fakultas Ekonomi dan Manajemen, Institut Pertanian Bogor.
Soemitra A. 2010. Bank dan Lembaga Keuangan Syariah. Jakarta (ID): Kencana 2010.
Talavera O, Tsapin A, Zhould O. (2006). Macroeconomic uncertainty and bank lending : the case of Ukraince. Germany : German Institute for Economic Research, 637.
Wangsawidjaja Z. 2012. Pembiayaan Bank Syariah. Jakarta (ID): Penerbit Kompas Gramedia
Zahrah AM. 1994. Ushul Fiqh. Jakarta (ID): PT. Pustaka Firdaus