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MODEL OF PREDICTING FINANCING AMOUNTS THROUGH THIRD-PARTY FUNDS, LIABILITIES, AND EQUITY

Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY) · Vol. 7 No. 2 (2025) · hlm. 250–263

DOI
10.15575/aksy.v7i2.45856
ISSN
2655-9420
Terbit
2025-06-30
Penerbit
UIN Sunan Gunung Djati Bandung
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-sa/4.0

Abstrak

The amount of financing is a means for banks to gain profits. However, financing cannot be done haphazardly because of the risk of financing problems. For this reason, special considerations are needed in determining the amount of financing at the bank. This research aims to analyze the model for determining the amount of financing through third party funds, liabilities and equity. This research is research using a quantitative paradigm with an associative approach to analyzing cause and effect relationships. Data analysis uses regression analysis, t test statistics, f test statistics and coefficient of determination. The results of the analysis show that third party funds have a positive and significant effect on the amount of financing with a coefficient of determination of 63.2%. Liabilities have a significant positive effect on the amount of financing with a coefficient of determination of 63.4%, while equity has a significant negative effect. With an accurate predictive model, bank management can develop more targeted financing strategies based on projections of available funds from third parties, liabilities, and equity, thereby optimizing resource allocation so that financing does not exceed the bank's liquidity capacity. The model results can provide insight into whether third parties or equity growth needs to be increased to encourage certain types of financing (e.g., MSME financing or mortgages).

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18 penulis · 27 tautan kepenulisan bersama · 12 lintas organisasi

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  • Sunan Gunung Djati State Islamic University Bandung
  • Universitas Islam Negeri Alauddin Makassar
  • Curtin University
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Rekan penulisOrganisasiArtikel bersama
Billy Oktora Abdillah FauziAfiliasi tidak diketahui1
Hernani HernaniAfiliasi tidak diketahui1
Nisa AmaliaSunan Gunung Djati State Islamic University Bandung1
Mila BadriyahAfiliasi tidak diketahui1
Naufal YazidSunan Gunung Djati State Islamic University Bandung1
SITI KOMALA NURSAADAHSunan Gunung Djati State Islamic University Bandung1
Syaiba Lingga PaneSunan Gunung Djati State Islamic University Bandung1
Ahmad Zikri DwiatmajaUniversitas Islam Negeri Alauddin Makassar1
Muhammad Wahyuddin AbdullahUniversitas Islam Negeri Alauddin Makassar1
Rika Dwi Ayu ParmitasariUniversitas Islam Negeri Alauddin Makassar1
Rega RamadhaniSunan Gunung Djati State Islamic University Bandung1
WidiawatiSunan Gunung Djati State Islamic University Bandung1
Muhammad ZakySunan Gunung Djati State Islamic University Bandung1
Moh. Nadhir Mua'mmarAfiliasi tidak diketahui1
Muhammad ZakySunan Gunung Djati State Islamic University Bandung1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/aksy/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">MODEL OF PREDICTING FINANCING AMOUNTS THROUGH THIRD-PARTY FUNDS, LIABILITIES, AND EQUITY</dc:title>
	<dc:creator>Widiawati</dc:creator>
	<dc:creator>Mudzakir, Ahmad</dc:creator>
	<dc:creator>Suteja Wira Dana Kusuma</dc:creator>
	<dc:subject xml:lang="en-US">Equity, Financing, Liabilities, Prediction Models, Third Party Funds</dc:subject>
	<dc:description xml:lang="en-US">The amount of financing is a means for banks to gain profits. However, financing cannot be done haphazardly because of the risk of financing problems. For this reason, special considerations are needed in determining the amount of financing at the bank. This research aims to analyze the model for determining the amount of financing through third party funds, liabilities and equity. This research is research using a quantitative paradigm with an associative approach to analyzing cause and effect relationships. Data analysis uses regression analysis, t test statistics, f test statistics and coefficient of determination. The results of the analysis show that third party funds have a positive and significant effect on the amount of financing with a coefficient of determination of 63.2%. Liabilities have a significant positive effect on the amount of financing with a coefficient of determination of 63.4%, while equity has a significant negative effect. With an accurate predictive model, bank management can develop more targeted financing strategies based on projections of available funds from third parties, liabilities, and equity, thereby optimizing resource allocation so that financing does not exceed the bank's liquidity capacity. The model results can provide insight into whether third parties or equity growth needs to be increased to encourage certain types of financing (e.g., MSME financing or mortgages).</dc:description>
	<dc:publisher xml:lang="en-US">UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2025-06-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/aksy/article/view/45856</dc:identifier>
	<dc:identifier>10.15575/aksy.v7i2.45856</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY); Vol. 7 No. 2 (2025): Jurnal Ilmu Akuntansi dan Bisnis Syariah; 250-263</dc:source>
	<dc:source>2655-9420</dc:source>
	<dc:source>10.15575/aksy.v7i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/aksy/article/view/45856/14602</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2025 Jurnal Ilmu Akuntansi dan Bisnis Syariah (AKSY)</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-sa/4.0</dc:rights>
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