Faktor-Faktor yang Memengaruhi Non Performing Financing pada Bank Umum Syariah Indonesia Periode 2010-2014
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Abstract
The objective of this study is to determine the internal and external factors affected non-performing financing in Islamic Banks Indonesia, 2010-2014. The samples used were 11 Islamic Banks in Indonesia 2010-2014. This study used panel data with annual data obtained from the bank's 2010 to 2014 annual reports of banks. The results showed that the Capital Adequacy Ratio (CAR), Bank size, overhead cost and SBIS rate have a significant negative effect on Non Performing Financing, while the FDR, NIM, KAP and BI rate have a significant positive effect on Non-Performing Financing. Commercial Bank needs to monitor the level of Capital Adequacy Ratio (CAR), Bank size and improve the quality of operational management on overhead cost. In addition, Islamic Banks should be more sensitive to macroeconomic conditions, especially the level of BI rate and yield rate of SBIS so it can determine precisely the financing policy in order to control the level of NPF at a reasonable level.
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Berger A, Deyoung R. (1997). Problem Loans and Cost Efficiency in Commercial Banks. [Jurnal]. Journal of Banking and Finance. Vol 21: 849-870.
Dash MK , Kabra G. (2010). The determiants of nonperforming asset in India Commercial Banks: An economic Study. [Jurnal]. Middle Eastern Finance and Economics.Vol 7:93-106.
Dendawijaya L. 2005. Manajemen Perbankan. Bogor(ID): Ghalia Indonesia.
Diyanti. 2012. Analisis Pengaruh Faktor Internal dan Ekternal Terhadap Terjadinya Non-Performing Loan. [Skripsi].Universitas Diponegoro.
Erdinc D, Abazi E. 2014. The Determinants of NPLs in Emerging Europe, 2000-2011. [Jurnal]. Journal of Economis and Political Economy. Vol 1 (2) : 112-125.
Fahmi I. 2014. Manajemen Perkreditan. Alfabeta : Bandung. Faisal
Faiz, Ihda A. 2010. “Ketahanan Kredit Perbankan Syariah Terhadap Krisis Keuangan Global”. [Jurnal]. Jurnal ekonomi Islam La Riba. Vol 4(2).
Firdaus M. 2012. Aplikasi Ekonometrika untuk Data Panel dan Time Series.
Bogor (ID): IPB Press.
Firmansyah I. 2014. Determinants of Non Performing Loan: The Case of Islamic Bank in Indonesia. [Jurnal]. Jakarta(ID): Buletin Ekonomi Moneter dan Perbankan. Vol 17 (2).
Gujarati D. 2007. Dasar- dasar Ekonometrika. Jilid 2. Jakarta (ID) : Salemba Empat
Ismail. 2010. Manajemen Perbankan dari Teori Menuju Aplikas. Jakarta : Kencana
Juanda B. 2012. Ekonometrika Deret Waktu: Teori dan Aplikasi. Bogor(ID): IPB Press.
Kurnia DJ. 2013. Analisis Faktor-Faktor Yang Mempengaruhi Non-Performing Loan (Studi Pada Bank Umum Konvensional yang Go Public di Indonesia Periode 2008-2012). [Skripsi].Universitas Diponegoro.
Louzis DP, Vouldis AT, Metaxas VL. 2012. Macroeconomic and Bank-specific Determinants of Non-performing Loans in Greece: A comparative study of mortgage, business and consumer loan portfolios. [Jurnal]. Athena(GR): Journal of Banking & Finance. Vol 36 : 1012–1027.
Mileris R. 2012. Macroeconomic Determinants of Loan Portfolio Credit Risk in Banks. [Jurnal]. Panevezys(LT): Inzinerine Ekonomika-Engineering Economics. Vol 23(5) : 496-504.
Misra BM, Dhal S. 2010. “Pro-Cyclical Management of Non-Performing Loans by the Indian Public Sector Banks”. BIS Asian Research Papers.
Antonio MS. 2001.Bank Syariah dari Teori ke Praktek. Gema Insani : Jakarta.
Nkusu M. 2011. Nonperforming Loans and Macrofinancial Vulnerabilities in Advanced Economies. Working Paper IMF. WP/11/161
[OJK] Otoritas Jasa Keuangan. 2009. Statistik Perbankan Syariah Desember 2010-2014.[internet]. [diunduh 2015 Februari 20]. Tersedia pada : http://www.ojk.go.id.
Rahmawulan, Y, 2008. Perbandingan Faktor Penyebab Timbulnya NPL dan NPF Pada Perbankan Konvensional dan Syariah di Indonesia. [Tesis]. Universitas Indonesia.
Ranjan R, Dhal SC. (2003). Non-Performing Loans and Terms of Credit of Public Sector Banks in India: An Empirical Assessment. [Jurnal]. Occasional Papers.Vol 24(3): 81-121
Scarica B .2014. Determinants of Non-Performing Loans in Central An Eastern Eourope Countries. [Jurnal]. Financial theory and practice. Vol 38 (1) : 37-59.
Socol A, Danuletiu AE. 2013. Analysis of the Romanian Banks Performance Through ROA, ROE and Non-Performing Loans Models. [Jurnal]. Annales Universitatis Apulensis Series Oeconomica.Vol 15(2) : 594-604
Soebagio H. 2005. Analisis Faktor-faktor yang Mempengaruhi terjadinya Non Performing Loan (NPL) pada Bank Umum Komersil. [Tesis].Universitas Diponegoro Semarang.
Wu WC, Chang CO, Selvili Z. 2003. Banking System, Real Estate Markets and Non Performing Loans. International Real Estate Review. Vol 6 (1): 43-62