Analisis Faktor-faktor yang Memengaruhi Jangkauan Pembiayaan Mikro: Studi Kasus BTPN Syariah

Abstract

Microenterprises have the big role in developing Indonesia’s economy. One of the issues in developing microenterprises is the access of financing. The study analyses factors affecting outreach, breadth of outreach and depth of outreach in BTPN Syariah. The objectives of this research are to identify the trend of outreach in 2012-2014, and to identify factors affecting outreach. The study employed Ordinary Least Squares and there are five variables used in this research. The variables are CAR, NPF, FDR, BOPO, and WISMA (branchless banking unit). Our fingdings show that breadth of outreach is significantly and negatively affected by CAR, meanwhile breadth of outreach is significantly and positively affected by NPF, FDR, BOPO, and WISMA. Depth of outreach is significantly and positively affected by CAR and WISMA, meanwhile depth of outreach is not significantly affected by NPF, FDR, and BOPO.