PENGARUH INFLASI DAN HARGA MINYAK TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA PERIODE 2021-2025

Indah Permata Sari; Bambang Kurniawan; Nurrahma Sari Putri

doi:10.59003/nhj.v6i2.2263

Authors

Indah Permata Sari Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Bambang Kurniawan Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Nurrahma Sari Putri Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.59003/nhj.v6i2.2263

Keywords:

Inflation, World Oil Prices, Financing, Islamic Commercial Banks.

Abstract

This study aims to analyze the effect of inflation and world oil price fluctuations on Islamic Commercial Bank (BUS) financing in Indonesia during the period 2021–2025. The study is motivated by the inconsistency between economic theory, which suggests that inflation and rising world oil prices may suppress financing activities, and empirical evidence showing that BUS financing continued to increase during the study period. The research uses monthly secondary data obtained from the Central Bureau of Statistics (BPS), the Financial Services Authority (OJK), and the World Bank. A quantitative approach with multiple linear regression analysis using EViews 12 was employed.The results indicate that inflation has a positive and significant effect on Islamic Commercial Bank financing, with a probability value of 0.0000 (< 0.05). Meanwhile, world oil prices do not have a significant effect on Islamic Commercial Bank financing. Simultaneously, inflation and world oil prices significantly affect Islamic Commercial Bank financing, as indicated by a Prob(F-statistic) value of 0.0000 (< 0.05). The Adjusted R-Squared value of 0.418570 indicates that inflation and world oil prices explain 41.86% of the variation in Islamic Commercial Bank financing, while the remaining 58.14% is explained by other variables outside the research model.

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