PENGARUH INFLASI DAN TINGKAT SUKU BUNGA TERHADAP PEMBIAYAAN PADA BANK SYARIAH DI KOTA BANJARMASIN

Authors

  • Verina Ayustri Alni Fakultas Agama Islam, Universitas Muhammadiyah Banjarmasin
  • Dewi Maharani Fakultas Agama Islam, Universitas Muhammadiyah Banjarmasin
  • Masrina Masrina Fakultas Agama Islam, Universitas Muhammadiyah Banjarmasin

DOI:

https://doi.org/10.32939/dhb.v5i2.4275

Keywords:

Inflation, Interest Rates, Sharia Bank Financing

Abstract

Purpose: This study aims to determine the effect of inflation and interest rates on financing at Islamic banks in Banjarmasin city. Design/methodology/approach: This research uses quantitative methods. The data used is secondary data and time series. Data sourced from the pages of Bank Indonesia, the Financial Services Authority (OJK), the Central Statistics Agency (BPS) and data from Islamic Commercial Banks which are the objects of this study in the period 2014 to 2023. Findings: Based on the results of statistical data processing, the results of this study indicate that the value of Sig. Inflation variable (X1), amounting to 0.993> 0.05 and the tcount value of 0.009 < 2.571. Sig value. Interest Rate Variable (X2) is 0.066> 0.05 and the tcount value is -2.571 < 2.571. The results of this study indicate that simultaneously the inflation and interest rate variables affect financing at Islamic banks in Banjarmasin City. This can be proven by the value of Fcount 2.825 > Ftable 4.45. Research implications: Based on the research results, it is known that although inflation and interest rates have no effect on financing in Islamic banks, the government must remain effective in controlling macroeconomic activities to maintain the stability of inflation and interest rates, so that economic stability can be guaranteed.

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Published

2024-09-17

How to Cite

Alni, Verina Ayustri, Dewi Maharani, and Masrina Masrina. “PENGARUH INFLASI DAN TINGKAT SUKU BUNGA TERHADAP PEMBIAYAAN PADA BANK SYARIAH DI KOTA BANJARMASIN”. Al Dzahab 5, no. 2 (September 17, 2024): 130–142. Accessed November 21, 2024. https://ejournal.iainkerinci.ac.id/index.php/al-dzahab/article/view/4275.

Issue

Vol. 5 No. 2 (2024): Al Dzahab: Journal of Economics, Management, Business and Accounting

Section

Articles

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Copyright (c) 2024 Verina Ayustri Alni, Dewi Maharani, Masrina Masrina

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This work is licensed under a Creative Commons Attribution 4.0 International License.