PENGARUH FINANCIAL CRUNCH PADA BANK SYARIAH DAN PEMBIAYAAN UMKM TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA

Amila Zamzabila Putri, NIM.: 18108010037 (2022) PENGARUH FINANCIAL CRUNCH PADA BANK SYARIAH DAN PEMBIAYAAN UMKM TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA. Skripsi thesis, UNIVERSITAS ISLAM NEGERI SUNAN KALIJAGA.

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Abstract

The Indonesian economy has experienced various challenges and considerable economic obstacles in its history, such as the hyperinflation phenomenon that occurred in the 1960s, the monetary crisis in 1997, the global crisis in 2008, and recently, even today, Indonesia is experiencing an economic crisis. due to the covid19 pandemic. The global financial crisis also had an impact on the banking sector, one of which was lending. Banks are more selective in carrying out their policies for lending, so this gives rise to the credit crunch phenomenon. In the Islamic banking sector, the phenomenon of credit crunch is more synonymous with the use of the term financial crunch. This phenomenon has a relationship with the level of bank financing, because when the financial crisis occurs, banks are more selective in channeling their financing, this is where there is a change in the supply and demand for financing. The variables used to explain the effect of the financial crunch on Islamic banks are NPF, DPK, and FDR, as well as the existence of MSME financing variables to see their effect on economic growth in Indonesia, which is projected with IPI data. In this study using the Vector Error Correction Model (VECM) analysis model using time series data from January 2010 – March 2021. The results of this study indicate that there is no financial crunch phenomenon during the financial crisis, changes in MSME financing also cannot reduce the IPI.

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