HOW IS THE ROLE OF BPRS INTERMEDIATION IN INDONESIA? ANALYSIS OF INTERNAL AND EXTERNAL FACTORS TOWARDS FINANCING
Abstract
This study aims to analyze the relationship between the efficiency of Sharia Rural Banks (BPRS) and financing for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. The research covers 165 BPRS across 34 provinces during the 2017–2022 period, using panel data sourced from BI, OJK, and BPS. The findings indicate that BPRS efficiency significantly affects MSME financing. These results highlight the need for both policymakers and BPRS management to consistently improve efficiency in order to expand financing capacity. Moreover, the role of the OJK in overseeing and supporting BPRS is considered crucial to ensure better intermediation performance in serving MSMEs.
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Zhu, Joe. 2009. Quantitative Models for Performance Evaluation and Benchmarking. Vol. 1.
Amalia, Euis. 2016. Keuangan Mikro Syariah. Bekasi: Gramata Publishing.
Anwar, Mokhamad, Sulaeman Rahman Nidar, Ratna Komara, and Layyinaturrobaniyah Layyinaturrobaniyah. 2020. “Rural Bank Efficiency and Loans for Micro and Small Businesses: Evidence from West Java Indonesia.” International Journal of Emerging Markets 15(3):587–610. doi: 10.1108/IJOEM-11-2017-0494.
Astarini, Raras Palupi, Sri Hartoyo, and Tubagus Nur Ahmad Maulana. 2016. “Impact of Internal and External Factors on the Net Interest Margin of Banks in Indonesia.” International Journal of Science and Research (IJSR) 5(9):99–107. doi: 10.21511/bbs.15(4).2020.09.
Aziz, Roikhan Mochamad. 2017. “Development Of Small Medium Entreprise With External, Internal, And Religiosity Factors In Islamic Banks.” Kinerja 21(1):17–34. doi: 10.24002/kinerja.v21i1.1032.
Baltagi, Badi H. 2008. Econometrics. 4th ed. United States of America: Springer-Verlag Berlin Heidelberg.
Budy, Kusnandar Viva. 2021. “Kredit UMKM Tumbuh Negatif Saat Pandemi Covid-19.” Databoks.
Chin, Thoo Ai, Abu Bakar Abdul Hamid, Amran Rasli, and Rohaizat Baharun. 2012. “Adoption of Supply Chain Management in SMEs.” Procedia - Social and Behavioral Sciences 65:614–19. doi: 10.1016/j.sbspro.2012.11.173.
Cooper, William W., Lawrence M. Seiford, and and Joe Zhu. 2018. “DATA ENVELOPMENT ANALYSIS History, Models and Interpretations.” An Automated Irrigation System Using Arduino Microcontroller 3(May):2–6.
DANADOR N Gujarati. 2010. Dasar Dasar Ekonometrika : Basic Econometrics Buku 1. 5th ed. Jakarta: Salemba Empat.
Diallo, Boubacar. 2018. “Bank Efficiency and Industry Growth during Financial Crises.” Economic Modelling 68(January):11–22. doi: 10.1016/j.econmod.2017.03.011.
Effendi, Ihsan, and Prawidya Hariani. 2020. “Dampak Covid-19 Terhadap Bank Syariah : Impact of Covid-19 on Islamic Banks.” EKONOMIKAWAN : Jurnal Ilmu Ekonomi Dan Studi Pembangunan 20(79):221–30.
Ghozali, Imam. 2008. Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25. IX. Semarang: Undip : SEMARANG.
Greene, W. H. 2008. Econometric Analysis 4th Ed. 5th ed. United States of America: Prentice Hall.
Hasan, Hurriah Ali, Saidin Mansyur, and Siti Walida Mustamin. 2021. “Dampak Pandemi Covid-19 Terhadap Pertumbuhan Dana Pihak Ketiga Pada Bank Syariah.” El Dinar 9(1):44–61. doi: 10.18860/ed.v9i1.11431.
Hermawan, Irwan, and Vina Herdina. 2019. “Hubungan Antara Variabel Ekonomi Makro Dengan Pembiayaan UKM (Usaha Kecil Menengah) Perbankan Syariah Di Indonesia.” Jurnal Aktiva : Riset Akuntansi Dan Keuangan 1(1):50–68. doi: 10.52005/aktiva.v1i1.19.
Jia, Hui, Shenrui Zhang, Ruibin Xu, Qingya Zhang, and Beining Guo. 2022. “A Literature Study of the Impact of COVID-19 Pandemic on the Financing of the SMEs in China.” Journal of Financial Risk Management 11(02):311–22. doi: 10.4236/jfrm.2022.112016.
Juliafri, Eko. 2021. “Pengaruh Dana Pihak Ketiga, Total Asset Dan Profitabilitas Terhadap Pembiayaan Perbankan Syariah Di Indonesia Periode 2015-2019.” Tesis 1–152.
Kao, Chiang. 2017. BOOK - International Series in Operations Research & Management Science Network Data Envelopment Analysis Foundations and Extensions. Taiwan: International Series in Operations Research & Management Science.
Khadafi, Muammar, Chalirafi, Muchsin, and Eka Khairani. 2022. “ANALISIS FAKTOR YANG MEMPENGARUHI PENYALURAN PEMBIAYAAN UMKM (Studi Pada Bank Umum Syariah Di Indonesia Periode 2015-2019).” 23(01):40–48.
Kwarteng Forkuoh, Solomon, Yao Li, Emmanuel Affum-Osei, and Isaac Quaye. 2015. “Informal Financial Services, a Panacea for SMEs Financing? A Case Study of SMEs in the Ashanti Region of Ghana.” American Journal of Industrial and Business Management 05(12):779–93. doi: 10.4236/ajibm.2015.512075.
Lestari, Lutfi Bangun. 2020. “Analisis Pengaruh KArakteristik Bank Dan Faktor Makroekonomi Terhadap Pembiayaan Sektor Umkm Pada Perbankan Syariah Di Indonesia Periode 2014-2020.” Universitas Islam Indonesia.
Nahrawi, Amirah Ahmad. 2017. “Pengaruh Capital Adequacy Ratio (CAR), Return On Assets (ROA) Dan Non Performing Financing (NPF) Terhadap Pembiayaan Murabahah BNI Syariah.” Perisai : Islamic Banking and Finance Journal 1(2):141–79. doi: 10.21070/perisai.v1i2.881.
Rahman, Rani, and Irman Firmansyah. 2015. “Analisis Efisiensi Perbankan Di Indonesia.” JP Fakultas Ekonomi Dan Bisnis Unsoed 404–22.
Rinofah, Risal. 2017. “Pengaruh Variabel Ekonomi Makro Terhadap Penyaluran Kredit Umum Dan Umkm Di Daerah Istimewa Yogyakarta.” SOSIOHUMANIORA: Jurnal Ilmiah Ilmu Sosial Dan Humaniora 1(1). doi: 10.30738/sosio.v1i1.515.
Saputri, Sagita dan Muhammad Ghafur Wibowo. 2018. “Al-Amwal, Volume 10, No. 1 Tahun 2018.” Al-Amwal 10(1):1–47.
Sukirno, Sadono. 2015. Mikro Ekonomi Teori Pengantar. Jakarta: PT Raja Grafindo Persada.
Sutawijaya, Adrian, and Etty Puji Lestari. 2009. “Efisiensi Teknik Perbankan Indonesia Pascakrisis Ekonomi: Sebuah Studi Empiris Penerapan Model Dea.” Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi Dan Pembangunan 10(1):49. doi: 10.23917/jep.v10i1.808.
Syakhrun, Muhammad, Anwar Anwar, and Asbi Amin. 2019. “Pengaruh Car, Bopo, Npf Dan Fdr Terhadap Profitabilitas Pada Bank Umum Syariah Di Indonesia.” Bongaya Journal for Research in Management (BJRM) 2(1):1–10. doi: 10.37888/bjrm.v2i1.102.
Syarif, Ahmad. 2016. “The Growth of Islamic Banking and SMEs Financing in Indonesia.” HUMAN FALAH : Volume 3.
Talluri, Srinivas. 2000. “Data Envelopment Analysis : Models and Extensions.” Production/Operations Management (May):8–11.
Tanjung, Ami Nullah Marlis. 2020. “Pengaruh Total Aset Dan Dana Pihak Ketiga Terhadap Pembiayaan Pada Bank Muamalat Indonesia.” Al-Sharf: Jurnal Ekonomi Islam Vol 1, No.
Taswan, Cand. 2010. Manajemen Perbankan (Konsep) Teknik & Aplikasi. Yogyakarta: UPP STIM YKPN.
Wardani, Aulia Nurlaili Kusuma. 2020. “Pengaruh FDR Dan CAR Terhadap Penyaluran Pembiayaan Dengan ROA Sebagai Variabel Intervening.” Jurnal Ilmiah Ekonomi Manajemen 02:86–98.
Zhu, Joe. 2009. Quantitative Models for Performance Evaluation and Benchmarking. Vol. 1.
Published
2025-10-16
How to Cite
ARIYANI, Diyah et al.
HOW IS THE ROLE OF BPRS INTERMEDIATION IN INDONESIA? ANALYSIS OF INTERNAL AND EXTERNAL FACTORS TOWARDS FINANCING.
Proceedings of the International Conference of Islamic Economics and Business (ICONIES), [S.l.], v. 11, n. 1, p. 1543-1556, oct. 2025.
ISSN 2541-3333.
Available at: <https://conferences.uin-malang.ac.id/index.php/iconies/article/view/3476>. Date accessed: 01 apr. 2026.
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Articles
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