SKRIPSI PBS
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN SYARIAH SEKTOR AGRIKULTUR PADA BANK UMUM SYARIAH (BUS) PERIODE 2015-2020
ABSTRACT
Agricultural sector in Indonesia gives many contribution to the economy
such as giving huge contribution towards PDB, becoming source of income for
public, and being food producer for life necessities. However, agricultural sector
still has some obstacles such as access to capital difficulties which are caused by
majority has small business scale and banking perception that agricultural sector
is as High Risk Industry. So that it is a need of support in Agricultural Sector, one
of the available solutions is by syariah financing offered by Bank Umum Syariah.
This study used quantitative study where the researcher would test the
factors that influences the Agricultural Financing in Bank Umum Syariah (BUS).
The sampling in this research was Non-Probability Sampling by using saturated
sampling. The data used was quarterly secondary data from 2015 until 2020 which
were obtained from Otoritas Jasa Keuangan website and Badan Pusat Statistik as
the data resource analised by using Vector Autoregression (VAR) analysis tool with
the help of E-Views 10 software.
The result of the study showed that from the four independent variables
there was only Produk Domestik Bruto variable which had a positive effect towards
Agrucultural Financing. Whereas the Farmer’s Term of Trade Indices (NTP),
Inflation and Non Performing Financing (NPF) had no effect on Agricultural
Financing.
Keywords: Agricultural Finacing, Syariah Banking, Vector Autoregression
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