IDEAS home Printed from https://ideas.repec.org/h/spr/advbcp/978-94-6463-008-4_4.html

Financing Scheme and Determinant Factors

In: Proceedings of the 19th International Symposium on Management (INSYMA 2022)

Author

Listed:
  • Sutrisno

    (Universitas Islam Indonesia)

Abstract

This study aims to examine the factors that influence the financing scheme of Islamic Rural Banks (IRBs) in Indonesia. The financing scheme consists of profit margin financing (PMF) and profit-sharing financing (PSF). Factors thought to influence the financing scheme are non-performing financing (NPF), financing to deposit ratio (FDR), capital adequacy ratio (CAR), return on assets (ROA), operating to income ratio (OEIR), and company size (Size). The population in this study was 163 IRBs in Indonesia with a sample of 100 IRBs. The observation period was 4 years, with quarterly data. Hypothesis testing applied multiple regression. The results show that the factors influencing the financing scheme between PMF and PSF are the same, namely, NPF and Size have a significant negative effect, while FDR, CAR, ROA and OEIR have no effect. One variable is OEIR; if the significance level is 10%, then OEIR has a significant and negative effect on the profit-sharing financing scheme, but the profit-margin financing scheme has no effect.

Suggested Citation

  • Sutrisno, 2023. "Financing Scheme and Determinant Factors," Advances in Economics, Business and Management Research, in: Werner Ria Murhadi & Dudi Anandya & Noviaty Kresna Darmasetiawan & Juliani Dyah Trisnawati & Putu An (ed.), Proceedings of the 19th International Symposium on Management (INSYMA 2022), pages 18-27, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-008-4_4
    DOI: 10.2991/978-94-6463-008-4_4
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    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:spr:advbcp:978-94-6463-008-4_4. 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: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.