Pengaruh Inflasi dan Kurs terhadap Pembiayaan Mudharabah pada Bank Jabar dan Banten Syariah (Periode 2014-2023)

Dhea Rosmaliana; Ripda; Resha Rosmayanti; M Rifki Muharam

doi:10.59342/istimrar.v4i2.798

Authors

Dhea Rosmaliana Siliwangi University
Ripda Universitas Siliwangi
Resha Rosmayanti Universitas Siliwangi
M Rifki Muharam Universitas Siliwangi

DOI:

https://doi.org/10.59342/istimrar.v4i2.798

Keywords:

inflation; exchange rate; mudharabah financing

Abstract

The study aims to analyze both partially and simultaneously whether inflation and exchange rates have a significant influence on short-term financing for the period 2014-2023. The types of research used by researchers are quantitative research and causal associative research. This research makes a whole time series of data about inflation, Indonesia's exchange rates and the financial crisis in BJBS as a population. The sample was obtained based on the percentage of inflation per year, the exchange rate in Indonesia for the last 10 years or from 2014-2023 and the low-cost financing value of the financial reports of Bank Jabar and Banten Shariiah for the period 2014-2023. The data analysis techniques used in this study are using double linear regression analysis and a classic assumption test using Eviews 10. The results of this study show that inflation has a significant influence on mortgage financing, while exchange rate variables do not have a significant effect on mortge financing in Jabar Bank and Banten Shariah (BJBS) during the period 2014-2023. Meanwhile, simultaneously, both variables have a partial and simultaneus influence over mortgages financing during BJBS during the 2014-2023 period.

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