Author
Abstract
Sejak pertama kali Bank Muamalat Indonesia (BMI) beroperasi, 1 Mei 1992, perbankan syariah terus mengalami pertumbuhan yang pesat. Sampai dengan Juni 2015 ini, jumlah perbankan syariah di Indonesia sudah mencapai totalnya 12 Bank UmumSyariah (BUS), 22 Unit Usaha Syariah (UUS), dan 161 Bank Pembiayaan Rakyat Syariah (BPRS). Meningkatnya pertumbuhan perbankan syariah di Indonesia pada dasarnya juga diharapkan mampu mendorong perekonomian bangsa dan kesejahteraan masyarakat Indonesia menjadi lebihbaik.Penelitian ini disusun dalam rangka menganalisis apakah perbankan syariah berdampak terhadap kesejahteraan masyarakat di Indonesia atau tidak, kalau berdampak kemudian bagaimana pengaruhnya apakah positif atau negatif. Kesejahteraan masyarakat dalam hal ini menurut perspektif Islam diukur dengan menggunakan Indeks Pembangunan Manusia (IPM+). IPM+ merupakan sebuah indeks yang dapat merepresentasikan kesejahteraan menurut perspektif Islam, dimana di dalam IPM+ terdapat 5 komponen maslahah yang terdiridari agama, jiwa, intelektual, keluarga, dan harta.Hasil penelitian menunjukkan bahwa secara individu, hubungannya dengan kesejahteraan masyarakat Indonesia menurut perspektif Islam, variabel pembiayaan perbankan syariah berpengaruh positif signifikan, variable aset perbankan syariah berpengaruh negatif signifikan, dan variabel FDR perbankan syariah tidak memiliki pengaruh. Namun demikian, secara bersama-sama variabel pembiayaan, aset, dan FDR perbankan syariah berpengaruh signifikan terhadap kesejahteraan masyarakat menurut perspektif Islam di Indonesia.Bank Muamalat Indonesia (BMI) begins its operation on 1st May 1992 and since then the Islamic banking in Indonesia has continued showing rapid growth. As of June 2015, the number of Islamic banks in Indonesia has reached a total of 12 Sharia Commercial Banks (BUS), 22 Sharia Business Units (UUS), and 161 Sharia Rural Financing Banks (BPRS). Increasing the growth of Islamic banking in Indonesia is expected to encourage the nation's economy and increasing the welfare of Indonesian society. This study is arranged in order to analyze whether Islamic banking affects the welfare of Indonesian society or not, if Islamic banking has an impact if it's positive or negative. The public welfare from an Islamic perspective is measured using the Human Development Index (HDI +). HDI + is an index that can represent welfare according to Islamic perspective, where there are 5 components of maslahah consisting of religion, soul, intellectual, family, and property. The research result shows that individually, Islamic banking has impact with the welfare of Indonesian society based on Islamic perspective. Islamic banking financing has a significant positive effect, sharia banking asset variable has a significant negative effect, and the variable of FDR of sharia banking has no effect. Nevertheless, jointly financing variables, assets, and FDR of sharia banks have a significant effect on the welfare of society according to Islamic perspective in Indonesia.
Suggested Citation
Achmad Nurdany, 2012.
"Pengaruh Pembiayaan, Aset, dan FDR Perbankan Syariah terhadap Kesejahteraan Masyarakat di Indonesia,"
Jurnal Ekonomi & Keuangan Islam, Faculty of Economics, Universitas Islam Indonesia, vol. 2(2), pages 1-9.
Handle:
RePEc:uii:jekife:v:2:y:2012:i:2:p:1-9:id:10157
Download full text from publisher
Corrections
All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:uii:jekife:v:2:y:2012:i:2:p:1-9:id:10157. See general information about how to correct material in RePEc.
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
We have no bibliographic references for this item. You can help adding them by using this form .
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Ana Yuliani (email available below). General contact details of provider: https://journal.uii.ac.id/JEKI/ .
Please note that corrections may take a couple of weeks to filter through
the various RePEc services.