Faktor-faktor yang Memengaruhi Tingkat Non Performing Financing dan Non Performing Loan pada Dual Banking System di Indonesia
Article Sidebar
Main Article Content
Abstract
The value of non-performing financing Islamic banks in Indonesia based on OJK data on 2017 at 4.76%, which is greater than the percentage of non-performing loans in conventional banks at 2.59%, then that’s make a question why the percentage of Islamic banks is greater and what factors influence it. Data retrieval research is sourced from quarterly financial reports in the first quarter of 2012 to the third quarter of 2017 as many as 10 Islamic banks and 10 conventional commercial banks. This study aims to analyze the factors that affect the level of non-performing finance (NPF) and non-performing loans (NPL) in dual banking system Indonesia. Variable independent in this research are the growth of gross domestic product (GDP), inflation, BI rate, return on assets (ROA), financing to deposit ratio (FDR)/loan to deposit ratio (LDR), capital adequacy ratio (CAR), operating expenses on operating income (BOPO), and total assets while the dependent variable is NPF and NPL. The analytical method used to test the hypothesis is by panel regression analysis. The results of this study indicate that the sharia commercial banks have a significant influence on NPF including GDP, inflation, CAR, ROA, FDR, and BOPO. In conventional commercial banks significant factors include GDP, inflation, BI rate, CAR, LDR, BOPO, and total assets.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Author(s) who published in this journal agree to following terms:
- Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah. The statement to release the copyright to Al-Muzara'ah is stated in form CTA (link doc).
- Copyright encompass exclusive rights to reproduce, to distribute, and to sell any part of the journal articles in all form and media.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License (CC BY-SA) where Authors and Readers can copy and redistribute the material in any medium or format, as well as remix, transform, and build upon the material for any purpose, but they must give appropriate credit (cite to the article or content), provide a link to the license, and indicate if changes were made. If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
References
Alexandri, M. B. & Santoso, T. I. (2015). Non performing loan: Impact of internal and external factor (Evidence in Indonesia). International Journal of Humanities and Social Science Invention, 4(1), 87-91.
Amin, R., Rafsanjani, H., & Mujib, A. (2017). Faktor-faktor yang mempengaruhi non-performing financing. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 2(2).
Ascarya, Hasanah, H., & Achsani, N. A. (2008). Perilaku agregat moneter dalam sistem keuangan/perbankan ganda di Indonesia. Journal of Indonesian Economy and Business, 23(2), 143-163.
Barus, A. C. & Erick. (2016). Analisis faktor-faktor yang mempengaruhi non performing loan pada bank umum di Indonesia. Jurnal Wira Ekonomi Mikroskil: JWEM, 6(2), 113-122.
Basha, S. N. (2017). The hundred differences between Islamic and conventional banking systems. International Journal of Scientific Research and Management, 5(9), 7093-7106. https://doi.org/10.18535/ijsrm/v5i9.19
Babihuga, R. (2007). Macroeconomic and Financial Soundness Indicators: An Empirical Investigation (No. 7-115). International Monetary Fund.
Effendi, J., Thiarany, U., & Nursyamsiah, T. (2017). Factors influencing non-performing financing (NPF) at sharia banking. Walisongo: Jurnal Penelitian Sosial Keagamaan, 25(1), 109-138. https://doi.org/10.21580/ws.25.1.1540
Ayyubi, S. E. & Lubis, D. (2015). Filosofi Ekonomi Syariah. Bogor (ID), IPB Press.
Firdaus, M. (2011). Aplikasi Ekonometrika untuk Data Panel dan Time Series. Bogor (ID), IPB Press.
Firmansyah, I. (2014). Determinant of non performing loan: The case of Islamic bank in Indonesia. Buletin Ekonomi Moneter dan Perbankan, 17(2), 241-258.
Hamzah, M. (2009). Optimalisasi peran dual banking system melalui fungsi strategis JUB dalam rangka menjaga stabilitas sistem keuangan di Indonesia. Jurnal Fakultas Hukum UII, 3(2), 197-221.
Havidz, S. A. H. & Setiawan, C. (2015). Bank efficiency and non-performing financing (NPF) in the Indonesian Islamic banks. Asian Journal of Economic Modelling, 3(3), 61-79.
Karim, N. A, Al-Habshi, S. M. S. J., & Abduh, M. (2016). Macroeconomics indicators and bank stability: A case of banking in Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 18(4), 431-448.
Messai, A. S. & Jouini, F. (2013). Micro and macro determinants of non-performing loans. International journal of economics and financial issues, 3(4), 852-860. https://doi.org/10.1300/J079v27n04_02
Nasution, M. E. (2017). Pengenalan Ekslusif Ekonomi Islam. Jakarta (ID), Fajar Interpratama Offset.
Putra, G. O. P. & Rustriyuni, S. D. (2015). Pengaruh DPK, BI Rate, Dan NPL terhadap penyaluran kredit modal kerja pada BPR di Provinsi Bali tahun 2009-2014. E-jurnal Ekonomi Pembangunan Universitas Udayana, 4(5).
Rahardjo, B. (2007). Keuangan dan Akuntansi Untuk Manajer Non Keuangan. Yogyakarta (ID), Graha Ilmu.
Rahmawulan, Y. (2008). Perbandingan Faktor Penyebab Timbulnya NPL dan NPF pada Perbankan Konvensional dan Syariah di Indonesia. (Tesis, Universitas Indonesia, Depok, Indonesia)
Sapian, S. M., Ibrahim, N., & Hasim, N. (2013). Macroeconomics factors of credit risk in Islamic banks: The case of Malaysia. Proceeding of the 5th Islamic Conference. Available at: http://nurmoh1.100webspace.net/iecons2013/6B-3.pdf
Sheefeni, J. P. S. (2015). Evaluating the impact of bank specific determinants of non-performing loans in Namibia. Journal of Emerging Issues in Economics, Finance, and Banking, 4(2), 1525-1541. https://doi.org/10.5901/ajis.2015.v4n3s1p534
Tlemsani, I. & Suwaidi, H. A. (2016). Comparative analysis of Islamic and conventional banks in the UAE during the financial crisis. Asian Economic and Financial Review, 6(6), 298-309. https://doi.org/10.18488/journal.aefr/2016.6.6/102.6.298.309
Widyaningsih, K. P., Dewi, G., & Barlinti, D. (2006). Bank dan Asuransi Islam di Indonesia. Jakarta (ID), Fajar Interpratama Offset.