FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DI JAWA BARAT

Abstract

Financing syaria banking and syaria corporation unit (UUS) plays significant roles for strengthening Micro and Medium Enterprises sectors (UMKM) in Indonesia. Yet, investigating factors influencing UMKM finance for syaria banking and syaria corporation is still barely reported. Thus, this research aims at examining the influence of third party fund (DPK), Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) toward financing UMKM of syaria bankings and UUS in west Java— Indonesia. The data were collected from Central Bank (Bank Indonesia) and Indonesian Finance Authority (Otoritas Jasa Keungan—OJK). All data were analyzed through linear regression statistics. The results show that there is no effect of DPK to UMKM financing. FDR has positive effects for UMKM financing and NPF has no effect to financing UMKM of syaria bankings and UUS in West Java—Indonesia.