Artículos de revistas: "Financing"

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Johan, Suwinto. "What Can Financial Technology Learn from Syariah Finance on Ecosystem: Collaboration". International Journal of Application on Economics and Business 1, n.º 1 (7 de julio de 2023): 588–94. http://dx.doi.org/10.24912/ijaeb.11.588-594.

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Shariah financing is financing based on Islamic values. Shariah financing must meet several requirements. The shariah financing process must follow the shariah process from start to finish. Financial technology companies also need an ecosystem to grow. Financial technology companies can emulate shariah financing. This study aims to discuss the shariah financing ecosystem that can be studied by financial technology. This research uses qualitative research methods. This study conducted a literature study on shariah financing and financial technology financing. The research concludes that financial technology financing can work with financial technology companies to develop shariah financing. Shariah financing and financial technology financing require an ecosystem. Cooperation of shariah financing and financial technology is one of the best solutions for the development of both financings.

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Johan, Suwinto. "What Can Financial Technology Learn from Syariah Finance on Ecosystem: Collaboration". International Journal of Application on Economics and Business 1, n.º 1 (7 de julio de 2023): 588–94. http://dx.doi.org/10.24912/v1i1.588-594.

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Shariah financing is financing based on Islamic values. Shariah financing must meet several requirements. The shariah financing process must follow the shariah process from start to finish. Financial technology companies also need an ecosystem to grow. Financial technology companies can emulate shariah financing. This study aims to discuss the shariah financing ecosystem that can be studied by financial technology. This research uses qualitative research methods. This study conducted a literature study on shariah financing and financial technology financing. The research concludes that financial technology financing can work with financial technology companies to develop shariah financing. Shariah financing and financial technology financing require an ecosystem. Cooperation of shariah financing and financial technology is one of the best solutions for the development of both financings.

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3

Johan, Suwinto. "What Can Financial Technology Learn from Syariah Finance on Ecosystem: Collaboration". International Journal of Application on Economics and Business 1, n.º 1 (7 de julio de 2023): 588–94. http://dx.doi.org/10.24912/ijaeb.v1i1.588-594.

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Shariah financing is financing based on Islamic values. Shariah financing must meet several requirements. The shariah financing process must follow the shariah process from start to finish. Financial technology companies also need an ecosystem to grow. Financial technology companies can emulate shariah financing. This study aims to discuss the shariah financing ecosystem that can be studied by financial technology. This research uses qualitative research methods. This study conducted a literature study on shariah financing and financial technology financing. The research concludes that financial technology financing can work with financial technology companies to develop shariah financing. Shariah financing and financial technology financing require an ecosystem. Cooperation of shariah financing and financial technology is one of the best solutions for the development of both financings.

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4

Sudarsono, Heri y Jannahar Saddam Ash Shiddiqi. "Equity Financing, Debt Financing, and Financial Performance in Islamic Banks". Muqtasid: Jurnal Ekonomi dan Perbankan Syariah 12, n.º 2 (22 de enero de 2022): 89–104. http://dx.doi.org/10.18326/muqtasid.v12i2.89-104.

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This research aims to determine the eﬀect of bank size (SIZE), proﬁtability (ROA), eﬃciency (EFF), non-performing ﬁnance (NPF), interest (INTR), and inﬂation (INFL) on proﬁt and loss sharing (PLS) ﬁnancing (equity ﬁnancing), and sale-purchase (SP) ﬁnancing (debt ﬁnancing) Islamic banks in Indonesia. Furthermore, monthly Islamic bank data in June 2014 to July 2020 was used. The autoregressive distributed lag (ARDL) method was used to determine the short and long-term eﬀects of the independent variables on the ﬁnancing variable. The results showed that ROA and EFF have a positive eﬀect on MRF but ROA and EFF have a negative eﬀect on MDA and MSF. NPF has a positive eﬀect on MDF, but has a negative eﬀect on MRF. Meanwhile, SIZE has a negative eﬀect on MDF, MDA, MRF, and MRA. The INTR has a negative eﬀect on MDA, MRF, and MRA. The implication of this research is that ﬁnancialperformance has more inﬂuence on debt ﬁnancing compared to equity ﬁnancing of Islamic banks in Indonesia.

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Setiawan, Dedy. "DEVELOPMENT OF THOUGHTS ON FINANCING NORMS AND THEIR REALIZATION IN ISLAMIC FINANCIAL PRODUCTS IN ISLAMIC FINANCIAL INSTITUTIONS". Proceedings of the 1st International Conference on Social Science (ICSS) 1, n.º 1 (17 de julio de 2022): 233–44. http://dx.doi.org/10.59188/icss.v1i1.32.

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Financing carried out with contracts that are in accordance with the Shari'ah in modern times has now become part of the tradition of Muslims at the time of the apostle. Since the time of the Prophet Muhammad. Practices such as accepting deposited assets, lending money for consumption and business purposes, as well as making money transfers, have been common since the time of the Prophet Muhammad . This study aims to develop ideas about financing norms and their embodiment in Islamic financial products in Islamic financial institutions. The research method used in this research is normative juridical with a statute approach or a norm/law approach. The technique used to collect the data is through literature/library studies. In this type of research is historical research . The result of the research is that there is a change in thinking about the existing financing in Islamic financial institutions, especially in Indonesia, including financing in the profit sharing principle, financing in the lease principle, financing in the sale and purchase principle, and financing for complementary equipment. These 4 financings are the flagship products of Islamic financial institutions in Indonesia.

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Repovž, Leon. "Project financing and financial engineering". International Journal of Project Management 6, n.º 3 (agosto de 1988): 171–77. http://dx.doi.org/10.1016/0263-7863(88)90044-0.

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Tachibanaki, Toshiaki. "Public Financing and Financial Regulations". Japanese Economic Studies 24, n.º 5 (septiembre de 1996): 3–32. http://dx.doi.org/10.2753/jes1097-203x24053.

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Du, Lixia y Baiyang Geng. "Financial technology and financing constraints". Finance Research Letters 60 (febrero de 2024): 104841. http://dx.doi.org/10.1016/j.frl.2023.104841.

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Yanti, Yanti, Achmad Achmad y Memet Agutiar. "The Effect of Istishna Financing, Mudharabah Financing and Ijarah Financing on Financial Performance in Islamic Commercial Banks". South Asian Research Journal of Business and Management 6, n.º 03 (27 de junio de 2024): 98–107. http://dx.doi.org/10.36346/sarjbm.2024.v06i03.006.

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The purpose of this study is to see the partial and simultaneous effects of istishna, mudharabah and ijarah financing on profitability (ROA) of Islamic Commercial Banks in Indonesia. The method is a descriptive quantitative approach. The sample and population in this study are Islamic commercial banks in Indonesia in 2018-2023 on a quarterly basis. So that there are 24 samples in this study. Isthisna financing results in the conclusion that the level of profitability (ROA is significantly negatively affected by istishna financing. In addition, mudharabah financing significantly and negatively affects the level of profitability (ROA). Furthermore, it is shown that ijarah financing does not significantly affect the level of profitability (ROA). Simultaneously, it is concluded that istishna financing and mudharabah financing have a significant negative effect on the level of profitability (ROA). Then ijarah financing has no significant effect on the level of profitability (ROA). Data analysis used in this study requires descriptive analysis test, classical assumption test and hypothesis testing. The data used is secondary from Islamic banking statistics with the Financial Services Authority (OJK) website.

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Bayai, Innocent y Sylvanus Ikhide. "Financing and financial sustainability of microfinance institutions (MFIs): a conceptual view". Banks and Bank Systems 11, n.º 2 (2 de julio de 2016): 21–32. http://dx.doi.org/10.21511/bbs.11(2).2016.03.

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Recent evidence shows that MFI financing continues to evolve with an increased inclination towards commercial financing. Taking stock on MFI financing and refocusing on the relationship between financing options and financial sustainability (FS) is unavoidable. The authors consummated a literature review based on complementing the little evidence on the subject with both theoretical and implied evidence from related studies in unpacking the relationship. Though donations are losing grip as a popular MFI financing option, review of literature recommends smart subsidies to spur FS and counter inefficiency, mis-targetting, dependency and distortions. As much as debt addresses agency problems and endorses FS, it has to be kept within limits to curb liquidation and mission drift. Deposit attraction augments FS and outreach, though MFIs must prepare to foot licensing costs, otherwise, mission drift ensues. Equity, though scarce in microfinance, is cheap and additive to FS. The authors suggest that MFIs should consider commercial funding, whilst keeping a check on the downside of each commercial financing option to augment FS and multiply outreach

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Amylia Haryati y Sri Fadilah. "Pengaruh Green Financing terhadap Financial Distress". Bandung Conference Series: Accountancy 4, n.º 1 (7 de febrero de 2024): 251–58. http://dx.doi.org/10.29313/bcsa.v4i1.11479.

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Abstract. Bankruptcy in companies, especially banks, will usually begin with an unhealthy bank condition characterized by financial difficulties. To reduce credit risk, the bank may increase its loan portfolio by channeling green financing because green financing is a less risky financing. So, the problem in this study is defined as follows, "Does green financing affect financial distress?" Researchers used descriptive analysis technique method using quantitative approach. The population selected in this study are banks listed on the Indonesia Stock Exchange (IDX) in 2021-2022. By using Purposive Sampling, the number of research samples obtained was 25 banks. Researchers collected secondary data in the form of Annual Report documents and Bank Sustainability Reports. The data analysis technique used in this research is descriptive analysis technique. The results of this study are: There is a negative relationship between green financing and financial distress. Abstrak. Kebangkrutan pada perusahaan khususnya bank biasanya akan diawali dengan kondisi bank yang tidak sehat yang ditandai dengan terjadinya kesulitan keuangan. Untuk menekan risiko kreditnya, bank dapat meningkatkan portofolio kredit dengan menyalurkan green financing karena green financing merupakan pembiayaan yang tidak terlalu berisiko. Berdasarkan fenomena tersebut, maka permasalahan dalam penelitian ini dirumuskan sebagai berikut, ”Apakah green financing berpengaruh terhadap financial distress?” Peneliti menggunakan metode teknik analisis deskriptif dengan menggunakan pendekatan kuantitatif. Populasi yang dipilih dalam penelitian ini adalah Bank yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2021-2022. Dengan menggunakan Purposive Sampling diperoleh jumlah sampel penelitian yaitu 25 bank. Peneliti mengumpulkan data sekunder berupa dokumen Laporan Tahunan dan Laporan Keberlanjutan Bank. Adapun teknik analisis data yang digunakan dalam penelitian ini adalah teknis analisis deskriptif. Hasil dari penelitian ini adalah: Terdapat hubungan negatif antara green financing terhadap kondisi financial distress.

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Laeven, Luc. "Does Financial Liberalization Reduce Financing Constraints?" Financial Management 32, n.º 1 (2003): 5. http://dx.doi.org/10.2307/3666202.

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Pass, Christopher L. y Stephen F. Witt. "Financial Institutions, Corporate Control and Financing". Managerial Finance 11, n.º 3/4 (marzo de 1985): 61–72. http://dx.doi.org/10.1108/eb013552.

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Li, Ziwei, Dae Eun Hyung y Dong Young Lee. "Financial flexibility and corporate financing efficiency". International Review of Financial Analysis 98 (febrero de 2025): 103892. https://doi.org/10.1016/j.irfa.2024.103892.

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Siahaan, Matdio, Samuel PD Anantadjaya, I. Made Gede Ariestova Kurniawan y Anwar Soleh Purba. "Syariah Technology Financial Potential to Reach Non-bank Financing". Webology 19, n.º 1 (20 de enero de 2022): 1824–33. http://dx.doi.org/10.14704/web/v19i1/web19122.

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The establishment of Syariah Financial Technology (FinTech) has answered the needs of the current transaction system. The presence of financial technology has made the current financial system run fast and efficiently. This research will explain and analyze the potential of Islamic Fintech in reaching non-bank financing. Data collection used in this research is descriptive qualitative method by directly observing the field. The analysis technique used in compiling the potential of Islamic FinTech is the matrix of Strengths, Opportunities, Weaknesses and Threats (SWOT). The results of the SWOT analysis show that there are several potentials for Islamic FinTech, including: 1) More potential investors and lenders considering that the majority of Indonesians are Muslim, 2) There are clear regulations related to Islamic FinTech in Indonesia, 3) Ease of access to services for all people, 4) Save operational costs and marketing costs for the company, and 5) The types of products offered to customers are more diverse, both in the form of financing and savings. So it can be concluded that with the existence of Technology Finance, the public will be more assisted and easier in conducting transactions between banks.

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Purba, Hasian. "Pengaruh Pembiayaan Jual Beli (Murabahah), Pembiayaan Bagi Hasil (Mudharabah), Pembiayaan Bermasalah (NPF) Gross, Pembiayaan Bermasalah (NPF) Net terhadap Kinerja Keuangan (ROA) di Bank Syariah Mandiri (2011-2020)". Jurnal Ilmiah Akuntansi dan Finansial Indonesia 6, n.º 1 (30 de octubre de 2022): 29–40. http://dx.doi.org/10.31629/jiafi.v6i1.4614.

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The purpose of this study, among others, is to find out how the effect of buying and selling financing on the financial performance of Syariah Mandiri banks in 2011-2020. To find out how the influence of profit-sharing financing on the financial performance of Syariah Mandiri banks in 2011-2020. To find out how the effect of Gross non-performing financing on the financial performance of Syariah Mandiri banks in 2011-2020. To find out how the influence of non-performing financing Net on the financial performance of Bank Syariah Mandiri in 2011-2020. To find out how the influence of buying and selling financing, profit sharing, NPF Gross and NPF Net on the financial performance of Syariah Mandiri banks in 2011 - 2020. This study is associative, namely the research method carried out to find the relationship between one variable and another, as well as testing and use the truth of a problem or knowledge. The results of the study are Non-performing Financing, Sales and Purchase Financing, Gross Non-performing Financing (Npf) partially have no significant effect on financial performance while Non-Performing Financing (NPF) Net have a significant effect on financial performance. The regression of the Non-performing Financing, Buying and Selling Financing, Gross Non-performing Financing (NPF) and Net Non-performing Financing (NPF) variables do not simultaneously have a significant effect on Financial Performance.

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BOZINTAN (COSMA-GULER), Ioana-Carmen. "SMEs FINANCING – AN OVERVIEW OF DIRECT FINANCING ON CAPITAL MARKET VS. FINANCIAL INSTITUTIONS". Annals of the University of Oradea. Economic Sciences 31, me 31 (diciembre de 2022): 92–102. http://dx.doi.org/10.47535/1991auoes31(2)009.

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The importance of the role played by SMEs in the global economy and their contribution to job creation, added value, innovation and growth is widely acknowledged, therefore it is extremely necessary to support their development. In order to be competitive, SMEs also rely on external financing, not only through financial institutions but also through direct participation in the capital market. Managers place great emphasis on financing their businesses, and most of the European companies relying primarily on bank loans as their most important source of founding, unlike in the United States of America, where the activity of stock exchanges is much more developed. This paper aims to study a shared analysis of the advantages and disadvantages of SMEs in Romania regarding financing through financial institutions vs direct participation in the capital market.

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Johan, Suwinto y Ariawan Ariawan. "Juridical Overview of the Syndication Financing Agreement Between Customers and Financial Institutions". Kanun Jurnal Ilmu Hukum 23, n.º 3 (30 de diciembre de 2021): 445–58. http://dx.doi.org/10.24815/kanun.v23i3.21920.

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Companies need funding for business growth. Syndicated financing is financing in large amounts of funds and projects that require extensive and long-term financing. Syndi-cated financing has grown since the 1960s. Participating financial institutions have compliance and knowledge of syndicated financing agreements. Customers have low compliance and understanding of financing agreements. This discrepancy has given rise to several communication problems, which resulted in legal events. This research aims to examine syndicated financing agreements between financial institutions and customers from the juridical side. This research uses a normative juridical method. This research concludes that the financing agreement is a single agreement between customers and many financial institutions. Financial institutions cannot deal directly with customers in the syndicated financing agreements. The facility agent or trustee represents the financial institution in negotiations with the customer if there is a difference or discrepancy with the financing agreement.

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Pradnyani, Ni Luh Putu Sri Purnama y Rai Gina Artaninggrum. "FAKTOR PENDUKUNG PERILAKU BERALIH LAYANAN PERBANKAN KE LAYANAN PEMBIAYAAN BERBASIS FINANSIAL TEKNOLOGI". Jurnal Riset Akuntansi (JUARA) 11, n.º 1 (30 de marzo de 2021): 34–54. http://dx.doi.org/10.36733/juara.v11i1.2823.

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This study aims to determine the factors driving service switching behavior in the form of pricing, service quality, competition, reputation, response to failure, service products, and forced switching that can influence borrowers to switch to using financing services from banks to financial technology-based financing services (crowdlending). The research sample was 94 people who met the research criteria. The analysis technique used to answer the research hypothesis is multiple linear regression analysis. The results show that banking price determination affects a person's switching behavior from banking-based financing services to crowdlending services. Service quality affects the behavior of switching to financial technology-based financing services (crowdlending). Competition affects the behavior of switching to financial technology-based financing services (crowdlending). Reputation affects the behavior of switching to financial technology-based financing services (crowdlending. Response to failure affects the behavior of switching to financial technology-based financing services (crowdlending). Service products do not affect the behavior of switching to financial technology-based financing services (crowdlending). Forced transition has no effect on the behavior of switching to financial technology-based financing services (crowdlending) Simultaneously determining prices, service quality, competition, reputation, response to failure, service products, and switching are forced to use financing services from banks to crowdlending financing services.

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Rahayu, Andi Rasti Utari Dwi, Saiful Muchlis y Hasbiuallah Hasbiuallah. "Pengaruh Debt Financing Dan Equity Financing Terhadap Kinerja Keuangan Bank Syariah Dengan Non Performing Financing Sebagai Variable Moderating". JRAK: Jurnal Riset Akuntansi dan Komputerisasi Akuntansi 9, n.º 2 (20 de agosto de 2018): 128–58. http://dx.doi.org/10.33558/jrak.v9i2.1613.

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This study aims to analyze the financial performance of sharia commercial banks in particular related to the channeling of funds in this case debt financing and equity financingand non performing financing as a moderating variable of the two previous variables to determine the financial performance of sharia commercial banks. The subject of this researchis sharia commercial bank listing in Bank Indonesia year 2011-2015. This research is associative, sample selection is done by purposive sampling method, sothat 8 syariah banks that fulfill the criteria of 11 sharia commercial banks listing in BI Thedata used in the form of secondary data derived from financial statements and annual reports,while data analysis techniques used are descriptive statistical analysis and multipleregression analysis and for analysis of moderating variable using test of absolute differencevalue. The results of this study indicate that debt financing and equity financing have asignificant and positive impact on the financial performance of sharia banks. And nonperforming financing is only able to moderate equity financing to the financial performanceof sharia banks. While non performing financing can not moderate the relationship betweendebt financing to the financial performance of sharia banks

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Multamuddin, Multamuddin, Saparuddin Siregar y Fauzi Arif Lubis. "Determinan Keputusan Para Pelaku Usaha Mikro Kecil Dan Menengah (UMKM) Menggunakan Pembiayaan Syariah Di Sumatera Utara". Owner 7, n.º 1 (9 de febrero de 2023): 890–907. http://dx.doi.org/10.33395/owner.v7i1.1504.

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The government, through Bank Indonesia, established the Bank Indonesia National Strategy in developing MSMEs with the aim of realizing MSMEs as a new source of growth for the Indonesian economy through three pillars, namely corporatization, capacity and financing. This study aims to analyze the determinants of decisions of micro, small and medium enterprises that use sharia financing in North Sumatra. The research method uses a quantitative explanatory approach, namely explaining the relationship between influencing variables or causality. The results of the study show that financial attitudes, Islamic financial literacy, Islamic financial inclusion have an effect on the intention to use Islamic financing. And behavioral intentions influence decision making using Islamic financing. And financial attitudes, Islamic financial literacy, Islamic financial inclusion have a direct effect on making financial decisions using Islamic financing. Then indirectly financial attitudes, financial efficacy, Islamic financial literacy, Islamic financial inclusion influence decision making using Islamic financing through the behavioral intentions of MSMEs in North Sumatra. However, the financial efficacy of MSME owners in North Sumatra has no effect on intentions and decision-making using Islamic financing, and does not affect decision-making behavior on the use of Islamic financing through behavioral intentions.

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Mun, Sung Gyun y SooCheong (Shawn) Jang. "“Understanding restaurant firms” debt-equity financing". International Journal of Contemporary Hospitality Management 29, n.º 12 (11 de diciembre de 2017): 3006–22. http://dx.doi.org/10.1108/ijchm-07-2016-0342.

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Purpose The purpose of this study was to extend the understanding of restaurant firms’ overall debt and equity financing practices by considering what drives equity financing. More importantly, this study attempted to identify whether an optimal financial leverage point exists in the relationship between debt financing and equity financing for restaurant firms. Design/methodology/approach This study used fixed-effects regression models with a sample of 1,549 unbalanced firm-year panel data to identify restaurant firms’ financial practices and the impacts of financial constraints. Findings First, restaurant firms tend to issue long-term debt to pay back existing debt. However, the amount of debt does not exactly match the debt’s maturity. Second, small restaurant firms’ net debt financing, as well as net equity financing, has an inverted-U-shaped relationship with financial leverage. Finally, the effect of financial leverage on external financing significantly differs between small and large restaurant firms. Practical implications Restaurant firms routinely use both debt and equity financing interchangeably to manage their financial constraints and target debt ratio. Further, firm size is an important indicator of financial constraints, while equity financing plays an important role in managing an optimal target debt ratio. Originality/value This study is unique in that it considers determinants of restaurant firms’ long-term debt financing as well as equity financing. This study also examines differences in long-term debt and equity financing practices between financially constrained and unconstrained firms.

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Nurreza, Achmad I'tisham Naufal y Eko Fajar Cahyono. "Peran Bank Syariah dalam Menggerakkan Mobilitas Sosial (Studi Kasus: Pengaruh Pembiayaan Bank Syariah dan Bank Konvensional Terhadap Penyerapan Tenaga Kerja di UMKM Melalui Pembiayaan UMKM Di Indonesia)". Jurnal Ekonomi Syariah Teori dan Terapan 6, n.º 1 (15 de enero de 2020): 125. http://dx.doi.org/10.20473/vol6iss20191pp125-141.

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Sharia bank is an agent in moving social mobility through given financing. The financing used for giving assistance to a company or a business which needs financing, like working capital and investment. One of the businesses that needs sharia bank financing is UMKM. This research aimed to find out the influence of sharia bank and conventional bank financings on UMKM employment through UMKM financing in Indonesia using path analysis technique, where UMKM became intervening variable. The result of the research showed that sharia bank and conventional bank financings had no effect on UMKM employment both directly or by UMKM financing.Keywords :Sharia Financing, Conventional Financing, Employment, UMKM

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Juliana, Serly Nufia y Rusdi. "THE EFFECT OF PROFIT-SHARING FINANCING, SALE AND PURCHASE FINANCING AND INTELLECTUAL CAPITAL ON FINANCIAL PERFORMANCE AT ISLAMIC COMMERCIAL BANKS IN 2017-2021". CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE 3, n.º 1 (7 de septiembre de 2023): 37–45. http://dx.doi.org/10.55047/cashflow.v3i1.793.

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This study analyzes the effects of Profit-Sharing Financing, Sale-purchase Financing, and Intellectual Capital on Financial Performance. Profit Sharing Financing in this study is calculated using the total of Musharakah financing and Mudharabah financing, while Sale-purchase Financing is calculated based on the total of sale-purchase financing. Intellectual Capital is proxied using VACA, and Financial Performance is proxied using ROE. The population in this study consists of all Islamic banks registered with the Financial Services Authority (OJK) in Indonesia for the period 2016-2020. The technique employed is a purposive sampling technique with four specific criteria as considerations, resulting in a sample of 8 companies with a five-year period, yielding a total of 40 observational data points. The data analysis employed in this study utilizes panel data regression with the assistance of EViews 9. The partial findings of this study indicate that only the variable of sale-purchase financing has a significant effect on financial performance, while the variables of profit-sharing financing and intellectual capital do not exhibit an effect on financial performance.

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Karna, Laxmi. "Development Financing". Academic Voices: A Multidisciplinary Journal 9 (31 de diciembre de 2019): 26–32. https://doi.org/10.3126/av.v9i1.74093.

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This article tries to explain the background, objective and sources of development financing. In recent years, development finance has emerged as an increasingly important tool to fight global poverty and reduce income inequality. Eradicating poverty is the greatest global challenge facing the world today and an indispensable requirement for sustainable development. The global economic and financial crisis revealed risks within the international and external financial system, and adversely impacting their capacity to mobilize resources for development. Without a stable financial system the development agenda risks being derailed by a sudden regional or global financial crisis. The usefulness and applicability of financing instruments and approaches will depend on the SDGs established for the country and on the financing strategy it adopts. Policymakers have recently shown considerable interest on a class of development financing opportunities called “blended finance” That pool public and private resources and expertise. Blended finance encompasses a large portfolio of potential instruments, including instruments provided by DFIs to leverage private finance (e.g., loans, equity investments, guarantees, etc.), as well as traditional public private partnerships (PPPs).

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Glassman, Thomas. "3(A)(10) Financing: New Predatory Financing Using the Securities Act". Michigan Business & Entrepreneurial Law Review, n.º 5.1 (2015): 99. http://dx.doi.org/10.36639/mbelr.5.1.financing.

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The Section 3(a)(10) exemption of the Securities Act of 1933 is meant to exempt securities transactions where a fairness hearing by a judge or government agency’s ruling replaces the usual SEC registration requirements. Recently, there has been a rise in 3(a)(10) financing schemes, where a third party investor, what I call a “3(a)(10) financier,” will offer to purchase the outstanding debts of a company from its creditors in exchange for discounted, and unregistered, shares of stock. In many cases these exchanges are done with no notification to current shareholders whose value falls precipitously when the 3(a)(10) financier begins not only selling, but through a common clause in these 3(a)(10) financing contracts, also demanding that the company issue more shares to them at any time. The companies who work with 3(a)(10) financiers have, in some cases, become complicit in the scheme in order to hide these transactions from investors who provide the liquidity for the 3(a)(10) financier sell-offs. I conclude that the SEC needs to provide updated guidance on Section 3(a)(10) as well as bring significant enforcement actions to curtail this budding predatory finance scheme.

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Li, Fei Fei y Jie Yu Huang. "Analysis of Financial Agglomeration Effect on Corporate Financing Behavior". Advanced Materials Research 981 (julio de 2014): 961–65. http://dx.doi.org/10.4028/www.scientific.net/amr.981.961.

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Financial agglomeration is the transfer and concentration of financial resources in space , this transfer and concentration can make the zone enterprises obtain financing at lower cost, particularly financial agglomeration can reduce the enterprise financing cost, time cost, and unstable financial risk cost ; then this paper uses the listing Corporation and the various provinces and cities in 2011 which issued A shares of the financial as the sample data, starting from the financial agglomeration effect on the enterprises' financing behavior as the point of empirical analysis, the results show that: the financial agglomeration degree and the enterprise financing cost is negatively related, namely the financial agglomeration reduces the financing cost.

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Yani, Elli y Mukhlis M.Nur. "ANALISIS PENGARUH PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA". JURNAL EKONOMIKA INDONESIA 9, n.º 2 (28 de noviembre de 2020): 13. http://dx.doi.org/10.29103/ekonomika.v9i2.3179.

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This study aims to determine and analyze the influence of musyarakah financing on the profitability of islamic bankks in indonesia. This research uses secondary data in the form of financial statements on musyarakah financing for islamic bankks during 2008-2012, which are accessed on www.ojk.go.id . The data analysis method used is a simple linear regression with the help of eviews program. The partial result shows that the t-statistic value of musyarakah financial is 15,29370 with a probability of 0,0000 which means lower that the value of α = 0,05. It concludes that musyarakah Financiang has a significant effect on the profitability (ROA) of islamic bankks listed on the financial Services Authority (OJK) in 2008-2012.

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Xu, Xin Long, Chao Sun, Yi Li y Nidi Zhou. "The Effects of Environmental Management and Debt Financing on Sustainable Financial Growth in the Tourism Industry". SAGE Open 10, n.º 3 (julio de 2020): 215824402094853. http://dx.doi.org/10.1177/2158244020948530.

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Environmental management and sustainable financial growth are currently hot topics in academic research. This article examines the relationships among environmental management, debt financing, and sustainable financial growth in the Chinese tourism industry. The results show that environmental management and debt financing have promoted sustainable financial growth, and the overall effect of debt financing on sustainable financial growth has been affected by environmental management. After employing different methods of controlling the endogeneity, these conclusions are still robust. We also examine the mediating effect and threshold effect on environmental management, debt financing, and sustainable financial growth, and the results reveal that debt financing can mediate the effect of environmental management on sustainable financial growth and that there is nonlinear impact of debt financing on sustainable financial growth in different thresholds of environmental management. The analysis results show that the presented policy proposals promote the development of tourism companies from the aspects of debt financing and environmental management.

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Amaliah, Dayang P., M. F. Bin Masruhen, M. Y. Ibrahim y F. R. Abdullah. "Analisis Alternatif Model Pembiayaan Pengelolaan Sampah untuk Pengembangan Pembangkit Listrik Tenaga Sampah". Al-Tasyree: Jurnal Bisnis, Keuangan dan Ekonomi Syariah 14, n.º 02 (25 de diciembre de 2022): 102–22. http://dx.doi.org/10.59833/altasyree.v14i02.986.

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This research aims to design alternative financing models using Islamic commercial and social financial instruments. To achieve this, the analytic network process (ANP) became a method used to determine the right alternative financing model by using Islamic commercial and social financial instruments for PLTSa. The results showed that the right financing model for PLTSa is a combined model, consisting of several sources of funding, namely, Government Financing, Private Financing and Waqf Institution Financing. The right government financing is stated budget, sukuk and Islamic investment. Private financing consists of Syndication of Islamic Banks and corporations, in the financing of waqf institutions namely productive waqf & Infak and waqf, productive waqf & infak.

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Ahmad, Abu Hasan y Maria Adventia Mentari Mayang Cardicna. "THE EFFECT OF FINANCIAL CONSTRAINT MODERATION IN CASH FLOW SENSITIVITY TO EXTERNAL FINANCING OF MANUFACTURING COMPANIES". Manajemen Bisnis 10, n.º 1 (18 de septiembre de 2020): 65. http://dx.doi.org/10.22219/jmb.v10i1.11836.

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This study aims to test the pecking order theory by looking at the level of cash flow sensitivity as a source of internal financing for all types of external financing (debt and equity). This testing also considering the financial constraint variable as moderation. The data used are the financial statements of manufacturing companies listed on the Indonesia Stock Exchange in 2014 - 2018. The dependent variable is all types of external financing (debt and equity). Debt financing is divided into two forms, short-term debt financing and long-term debt financing. While the independent variable is cash flow. The results obtained is that cash flow does not substitute all types of external financing, and the highest cash flow sensitivity occurs in short-term debt financing. The next result is that financial constraint strengthen the sensitivity of cash flow to debt and equity financing

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Putri, Cinantya Sriyono, Sri Herianingrum, Rifka Putri Ramadhanty, Nanda Lismatiara Zubaid y Yan Putra Timur. "Relationship between Islamic bank consumptive financing and gross regional domestic product in Indonesia, 2016-2020". Journal of Islamic Economics Lariba 9, n.º 1 (27 de junio de 2023): 97–114. http://dx.doi.org/10.20885/jielariba.vol9.iss1.art6.

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IntroductionPrevious literature discussed financing's impact on performance without separating the financing model.ObjectivesThis study uses the consumptive financing data of Islamic commercial banks, inflation rate, and population as independent variables, and the GRDP of 33 provinces in Indonesia as the dependent variable. MethodThe study used Indonesia and Malaysia banks for its pioneering efforts in establishing Islamic banking in Southeast Asia. The study collects data from five Indonesian and four Malaysian Islamic banks, with an observation period of 2011–2020. The data analysis used in this study was the Generalized Method of Moment (GMM).ResultsThe results of this study explain that the consumptive financing of Islamic commercial banks has a negative insignificant effect on GRDP in Indonesia, the inflation rate has a negative insignificant effect on GRDP in Indonesia, and the population has a positive and significant impact on GRDP in Indonesia. Consumptive credit in conventional banks and consumptive financing in Islamic banks account for more than 45% of total financing. ImplicationsThe Indonesian Financial Services Authority should adopt policies to maintain the growth of Islamic Bank productive financing, that is, working capital and investment financing, because Islamic bank consumptive financing has a negative effect on GRDP in IndonesiaOriginality/NoveltyThis study has a unique feature compared with previous studies that use consumptive financing at Islamic banks with inflation and population variables to analyze the contribution of the local economy to gross regional domestic product.

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Pratiwi, Cindi Husna, Andri Soemitra y Muhammad Ikhsan Harahap. "Analysis Of Public Perceptions Of Islamic Financial Technology Financing And Islamic Bank Financing In Indonesia". Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman 9, n.º 1 (30 de junio de 2021): 106–19. http://dx.doi.org/10.24952/masharif.v9i1.3966.

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Abstrak Tujuan penelitian ini untuk menganalisis persepsi masyarakat terhadap Fintech Peer to Peer (P2P) Islamic Lending dan pembiayaan BUS di Indonesia. Beberapa aspek yang dianalisis terkait persepsi masyarakat terhadap pembiayaan yang dilakukan pada P2P Islamic Lending dan pembiayaan antara lain: pengembangan, akad dan produk pembiayaan, mekanisme pembiayaan, serta total pembiayaan dan aset yang dimiliki. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan data primer dengan teknik insendental sampling melalui metode wawancara. Hasil penelitian menunjukkan bahwa mayoritas masyarakat yang melakukan pembiayaan baik P2P Islamic Lending maupun Bank Umum Syariah umumnya memahami bahwa pembiayaan pada Fintech Peer to Peer (P2P) Islamic Lending berbeda dengan pembiayaan yang dilakukan oleh Bank Umum Syariah. Secara persentase peningkatan perkembangan Fintech Peer to Peer Lending Syariah menunjukkan perkembangan yang signifikan, namun secara kumulatif Bank Umum Syariah memberikan kontrak, produk, mekanisme pembiayaan dan jumlah pembiayaan yang lebih variatif. Abstract The intention of this research is to analyze public perceptions of Fintech Peer to Peer (P2P) Islamic Lending and Commercial Bank financing in Indonesia. As for some aspects that were analyzed related to public perceptions of financing conducted at Fintech P2P Islamic Lending and Commercial Bank financing in Indonesia include: development, contract and financing products, financing mechanisms, and totaly financing and assets owned. This study uses a qualitative approach using primary data with an insendental sampling technique through the interview method. The results indicate that the majority of people who finance both P2P Islamic Lending and Commercial Banks generally understand that financing related to Fintech P2P Islamic Lending is different from financing done by Islamic Commercial Banks. In percentage the increase in the development of Fintech P2P Lending Islamic shows significant development, but cumulatively the Islamic Commercial Bank provides more varied contracts, products, financing mechanisms and greater amount of financing.

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Pan, Yujie. "The Importance and Implementation Strategies of M&A Financing". Advances in Economics, Management and Political Sciences 93, n.º 1 (5 de julio de 2024): 208–13. http://dx.doi.org/10.54254/2754-1169/93/20241109.

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Financing is a crucial financial aspect of mergers and acquisitions (M&A). The effective selection and utilization of financing tools can significantly impact the financial performance and progress of M&A. This study, employing literature review and case examples, emphasizes the importance of M&A financing and explores three main issues from a dynamic perspective: financing needs for M&A pricing, obtaining financing, and repaying M&A financing. The findings suggest that meeting M&A funding needs, focusing on financing repayment, and controlling financing risks are critical for orderly M&A financing activities and performance optimization. Drawing on successful cases, the study designs strategies to facilitate orderly M&A financing, providing some references for related research.

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Rhamadhani, Devi Nur y Vega Wafaretta. "Determinan Risiko Pembiayaan pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia Periode 2019-2021". Jurnal Maneksi 12, n.º 4 (8 de diciembre de 2023): 791–804. http://dx.doi.org/10.31959/jm.v12i4.1241.

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The financing risk of Islamic People's Financing Banks (BPRS) in Indonesia needs special attention, because the high ratio of non-performing loans exceeds the maximum limit set by the Financial Services Authority (OJK) of 7%. Therefore, this study aims to examine the effect of financial ratios on the risk of BPRS financing in Indonesia for the quarterly period 2019-2021. These financial ratios (minimum capital ratios, profitability ratios, liquidity ratios, operational efficiency ratios and profit-sharing financing ratios) can then become a concern for BPRS so that they are managed properly as a basis for managing financing risk. The number of samples in this study was 1344 which were analyzed using panel data regression. This analysis shows that the previous period's capital adequacy acted as a reserve for BPRS, thereby encouraging banks to minimize financing risks. Meanwhile, increasing BPRS efficiency can reduce financing risk. Profit sharing financing with strict selection also has a negative effect on financing risk. Profitability and liquidity do not affect financing risk because the ability of BPRS to maintain profit performance varies and there are variations in risk exposure to customers that have no impact on financing risk. The implication of this research is that the BPRS needs to maintain financial ratios to comply with OJK regulations. In addition, the BPRS needs to maintain capital adequacy, efficiency, and the amount of financing disbursed so that financing risks are under control. In addition, good management of profit-sharing financing can be applied to other financing. Future research can develop research with other variables that affect the risk of BPRS financing in Indonesia.

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Langa, Mmaphuti Felicia. "An Assessment of South Africa’s Vulnerability to Terrorism Financing and the Counter-Terrorist Financing Framework". Journal of Central and Eastern European African Studies 3, n.º 4 (2023): 125–38. http://dx.doi.org/10.59569/jceeas.2023.3.4.198.

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Terrorism financing poses a direct threat to South Africa’s national security as well as the integrity and reputation of its financial system. Terrorism financing has the potential to finance and enable terrorist activities locally and abroad. Over and above posing a security threat, it also impacts the integrity of non-financial institutions such as charities and non-profit organizations which could be exploited, often unwittingly, for the financing of terrorism. Terrorist groups make use of multiple methods to raise move, store and/or use funds and exploit the inherent vulnerabilities of countries’ regulatory, financial, law enforcement and security frameworks. Their techniques vary and depend on the sophistication and objectives of terrorists, terrorist organizations and their sympathizers. Terrorism financing investigations are usually extremely complex, particularly with regard to the identification of financiers and ultimate end-users of the generated funds. This is due to the myriad financial transaction mediums such as cash and crypto assets, the international nature of transfers between financial jurisdictions, the informal financial sector (e.g. Hawala), as well as the capacity and capability challenges faced by financial institutions, regulators, supervisory bodies and law enforcement agencies. Funds intended for terrorism related activities may be derived from legitimate as well as from illicit sources, making terrorism financing particularly difficult to detect, disrupt and prevent. The constant evolution of terrorism financing methods in response to new and increasingly sophisticated countermeasures remains a continual challenge locally and for international financial oversight bodies such as the Financial Action Task Force (FATF) and its regional-style bodies. This paper will investigate and assess South Africa’s vulnerability to terrorism financing and the counter-terrorist financing framework to effectively combat terrorism financing. The key issues to be appraised include an assessment of factors that contribute to SA’s vulnerability to terrorism financing. A counter-terrorist financing framework adopted by SA.

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Titapasanea, Daniel Y. "PEMBIAYAAN EKSTERNAL, MANAJEMEN LABA DAN FINANCIAL DEVELOPMENT: BUKTI EMPIRIS DARI ENAM NEGARA DI ASIA". JURNAL MANEKSI 10, n.º 1 (30 de junio de 2021): 151–63. http://dx.doi.org/10.31959/jm.v10i1.1656.

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The inconsistency of previous research findings motivated this study to examine the effect of external financing on earnings management using two financing components simultaneously. This study also examines the effect of financial development on the relationship between external financing and earnings management.The research samples are manufacturing companies from Indonesia, Japan, Singapore, South Korea, Malaysia and India. The total sample of companies used was 1,191 companies (5,128 observations). External financing is measured by the amount of changes in debt and equity. Earnings management is measured using the modified Jones model while financial development is measured using index numbers released by the World Economic Forum.The results of the study prove that there is a significant negative effect between external financing and earnings management. However, there is no evidence that the effect of external financing on earnings management is stronger in countries with large financial development index numbers than in countries with small index numbers. Keywords: Debt Financing, Equity Financing, Profit Management, Financial Development.

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Indriastuti, Maya, Indri Kartika y Sri Sulistyowati. "Reducing Non Performing Financing Through Financial Ratios". JURNAL STUDI MANAJEMEN ORGANISASI 17, n.º 1 (22 de febrero de 2022): 71–78. http://dx.doi.org/10.14710/jsmo.v17i1.40175.

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The aim of this study is to investigate financial ratios in minimizing non performing financing (NPF) at Sharia Banks. The samples of this study were 11 Sharia Banks listed in Bank Indonesia in 2008-2018. The data were analyzed by using multiple linier regression analysis. The result of this study showed that CAR, QPA, and OEOI have a significant positive effect on NPF. Meanwhile, FDR variable has no significant negative effect on NPF. The results of this study are expected to provide information on the factors that can affect the NPF and how to control the NPF so that Sharia Banks can keep the ratio of NPF net to stay under 5%, this is to maintain the condition of the bank soundness level.

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Das, Subhash Chandra. "Financial Inclusion and Micro Financing in India". Management Accountant Journal 56, n.º 4 (30 de abril de 2021): 81. http://dx.doi.org/10.33516/maj.v56i4.81-83p.

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Barker, Richard. "The operating‐financing distinction in financial reporting". Accounting and Business Research 40, n.º 4 (enero de 2010): 391–403. http://dx.doi.org/10.1080/00014788.2010.9995319.

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Blackburn, Keith, Niloy Bose y Salvatore Capasso. "Financial Development, Financing Choice and Economic Growth". Review of Development Economics 9, n.º 2 (mayo de 2005): 135–49. http://dx.doi.org/10.1111/j.1467-9361.2005.00268.x.

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Barbopoulos, Leonidas G., Phil Molyneux y John O. S. Wilson. "Earnout financing in the financial services industry". International Review of Financial Analysis 47 (octubre de 2016): 119–32. http://dx.doi.org/10.1016/j.irfa.2016.07.001.

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Huddleston, Jack R. "Intrametropolitan financial flows under tax increment financing". Policy Sciences 19, n.º 2 (junio de 1986): 143–61. http://dx.doi.org/10.1007/bf02113493.

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SARKAR, SUDIPTO. "Optimal Expansion Financing and Prior Financial Structure*". International Review of Finance 11, n.º 1 (marzo de 2011): 57–86. http://dx.doi.org/10.1111/j.1468-2443.2009.01099.x.

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Морозко, Н. И. y Н. И. Морозко. "Business financing based on modern financial technologies". Management and Business Administration, n.º 1 (9 de abril de 2024): 149–57. http://dx.doi.org/10.33983/2075-1826-2024-1-149-157.

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Выявлены проблемы финансирования бизнеса в условиях ограниченных финансовых ресурсов и повышенных процентных ставок. Сделан акцент на методах привлечения финансовых ресурсов на основе коллективных ресурсов для решения операционных и инвестиционных задач. Раскрыты характерные черты коллективного финансирования, включающие наличие четкой цели; прозрачность; ограниченный период времени на сбор средств; наличие рисков. Выделены основные направления развития современных финансовых технологий, в рамках которых складываются тренды и тенденции финансового сектора основывающихся на расширении финансовых возможностей. Развитие финансовых технологий включает ряд направлений: автономные финансы; биометрические системы безопасности; голосовые технологии; расширение функционала приложений; финансовые экосистемы, блокчейн-технологии. Отмечается, что технология блокчейн позволяет не только стартапам, но и давно существующим компаниям осуществлять финансирование посредством выпуска первоначальных размещений монет (ICO), первоначальных биржевых предложений (IEO), первичных предложений DEX, DEX (IDO). Problems of business financing in conditions of limited financial resources and high interest rates are identified. Emphasis is placed on methods of attracting financial resources based on collective resources to solve operational and investment problems. The characteristic features of collective financing are revealed, including the presence of a clear goal; transparency; limited period of time to raise funds; presence of risks. The main directions of development of modern financial technologies are identified, within the framework of which trends and tendencies of the financial sector are emerging based on the expansion of financial opportunities. The development of financial technologies includes a number of areas: autonomous finance; biometric security systems; voice technologies; expansion of application functionality; financial ecosystems, blockchain technologies. It is noted that blockchain technology allows not only startups, but also long-established companies to carry out financing through the issuance of initial coin offerings (ICO), initial exchange offerings (IEO), initial offerings of DEX, DEX (IDO).

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Mawaddah, Widad Ulfatul. "FINANCING RISK MANAGEMENT IN SHARIA FINANCIAL INSTITUTIONS". IJED: International Journal of Economy Development Research 1, n.º 1 (11 de abril de 2022): 18–30. http://dx.doi.org/10.33650/ijed.v1i1.3590.

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Management is the process of planning, organizing, directing, and controlling activities to achieve organizational goals effectively and efficiently by using organizational resources. Therefore, risk management is needed to identify, measure, monitor and control risks in accordance with sharia banking business activities. These steps are taken in order to mitigate risk by considering compliance with Sharia Principles. Risk is the potential loss due to the occurrence of certain events. Risk in the banking context is a potential event, both expected and unexpected, which has a negative impact on bank income and capital. Financing is funding provided by a party to another party to support planned investments, either by themselves or by institutions. In other words, financing is funding issued to support planned investments. The term financing basically means I believe, I trust, I believe, I put my trust. Islamic banks are banks that carry out business activities based on sharia principles, or Islamic legal principles regulated in the fatwa of the Indonesian Ulema Council such as the principles of justice and balance ('adl wa tawazun), benefit (maslahah), universalism (alamiyah), and do not contain gharar. , maysir, usury, injustice and unlawful objects.

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Yudistira, Novaldi y Ristati Ristati. "THE EFFECT OF CAPITAL ADEQUACY RATIO, NON-PERFORMING FINANCING, BANK SIZE AND FINANCING TO DEPOSIT RATIO ON SHARIA BANKS PERFORMANCE IN INDONESIA". Journal of Accounting Research, Utility Finance and Digital Assets 1, n.º 2 (30 de octubre de 2022): 99–110. http://dx.doi.org/10.54443/jaruda.v1i2.18.

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The purpose of this study is to examine the effect of the capital adequacy ratio, non-performing financing, bank size and financing to deposit ratio on financial performance of Islamic banks in Indonesia. The data used in this study are capital adequacy ratios, non-performing financing, bank size, financing to deposit ratio and financial performance of Islamic banks in Indonesia for 2013-2020. The data is accessed through the website www.ojk.go.id Data analysis method in this study is panel data regression analysis method. The results of the study find that capital adequacy ratio has positive and significant effect on financial performance, while non-performing financing has negative and significant effect on financial performance. Bank size and financing to deposit ratio have no significant effect on financial performance.

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Zhao, Zhuoran. "Research on the Impact of Digital Finance Development on Commercial Credit Financing Between Enterprises". Transactions on Economics, Business and Management Research 13 (18 de noviembre de 2024): 297–303. https://doi.org/10.62051/ve877s14.

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Digital finance has effectively solved the financial exclusion dilemma and eased the financing constraints of enterprises, but its impact on business-to-business commercial credit financing remains to be tested. Taking China’s A-share non-financial listed companies from 2011 to 2019 as the research object, we empirically test the impact of digital finance development on inter-firm commercial credit financing. The results show that the development of digital finance inhibits inter-firm commercial credit financing behavior. The lower the degree of industry competition, the higher the supplier concentration, and the higher the customer concentration, the stronger the inhibitory effect of digital finance on inter-enterprise commercial credit financing. Bank credit based on supply chain plays a partial intermediary role in the process of digital financial development affecting inter-enterprise commercial credit financing; digital financial technology promotes the development of supply chain financial services of banks, inhibits the demand for inter-enterprise financing through commercial credit, and is able to alleviate the problem of inter-enterprise occupancy.

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Bouabdallaoui, Ibrahim. "Impact of the Internet finance on Small and Medium Enterprises Financing under Big Data evolution". International Journal of Financial Studies, Economics and Management 1, n.º 1 (27 de abril de 2022): 48–54. http://dx.doi.org/10.61549/ijfsem.v1i1.38.

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Internet financial model innovation is mainly reflected in big data Internet financial companies, third-party payment platforms, Peer-to-Peer Internet lending platforms, crowdfunding Internet financing platforms, etc. platform and Internet financial portal platform. The impact of Internet finance on the financing of Small and medium-sized enterprises is mainly reflected in four aspects: that is, the mechanism of reversal of traditional financial institutions; the financing objects of Small and medium-sized enterprises More comprehensive and scientific; financing services for Small and medium-sized enterprises are more targeted; financing costs for Small and medium-sized enterprises have dropped significantly.

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Bahril, Muthi' 'Adilah y Ryan Rahma Maulayati. "Financial Ratio to Financing in Indonesia Islamic Rural Bank Analysis". Journal of Islamic Economics Lariba 6, n.º 1 (18 de junio de 2020): 41–62. http://dx.doi.org/10.20885/jielariba.vol6.iss1.art3.

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The purpose of this study is to analyze factors which influence financing in Indonesia Islamic Rural Bank. The data used are monthly financial report of Islamic Rural Bank (IRB) from 2014 to 2018. This study is using Vector Error Correction Model (VECM) to find the short and long term impacts and respons to the shock impact in each variable to financing. The results respresent that CAR, FDR, BOPO and DPK variables have a significant positive effect on financing in short term. Subsequently in the long term, CAR and NPF variables have a significant positive effect on financing. Meanwhile FDR and DPK variables have a significant negative effect on financing and the ROA variable has no significant effect on financing. Then, the financing response to shocks that occur in ROA, FDR and DPK is negative. While the financing response to shocks that occur in CAR is negative.

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