UI - Tesis (Membership) :: Kembali

UI - Tesis (Membership) :: Kembali

Faktor-faktor yang mempengaruhi pembiayaan bermasalah perbankan syariah Indonesia = Factors that influence non performing financing in the Indonesian islamic banking industry

Rizqi Kurnianto; Rifki Ismal, supervisor; Yusuf Wibisono, examiner; Imam Wahyudi, examiner ([, Fakultas Ekonomi dan Bisnis Universitas Indonesia], 2014)
 Abstrak
[ABSTRAK

Kemampuan perbankan syariah untuk mempertahankan kualitas aset yang baik
atau tingkat pembiayaan bermasalah yang rendah dalam periode pertumbuhan
yang cepat merupakan tantangan bagi perbankan syariah. Pembiayaan bermasalah
merupakan salah satu indikator yang perlu diamati karena sifatnya yang fluktuatif
dan tidak pasti sehingga penting untuk dicermati dengan kehati-hatian. Hal inilah
yang akan diteliti dalam tesis ini, tentang faktor-faktor yang mempengaruhi
pembiayaan bermasalah perbankan syariah Indonesia.
Metodologi penelitian yang digunakan adalah metodologi penelitian kuantitatif
dengan menggunakan data sekunder berupa kinerja industri Bank Umum Syariah
dan Unit Usaha Syariah di Indonesia dari bulan Desember tahun 2000 sampai
dengan bulan Desember tahun 2013. Variabel independen diidentifikasi
berdasarkan turunan dari model perilaku perbankan yang dikembangkan oleh
Freixas dan Rochet. Berdasarkan data sekunder dirumuskan model ekonometri.
Hasil penelitian menjelaskan beberapa faktor yang mempengaruhi rasio
pembiayaan bermasalah perbankan syariah di Indonesia adalah imbal hasil
pembiayaan (rata-rata tertimbang), jumlah pembiayaan perbankan syariah, imbal
hasil pembiayaan mudharabah, jumlah profit perbankan syariah, dan rasio
pembiayaan bermasalah perbankan syariah periode sebelumnya.
Berdasarkan pembahasan yang dilakukan maka rekomendasi yang dapat diberikan
baik kepada Pemerintah, regulator, dan perbankan syariah adalah : i) Untuk
mendiversifikasi risiko, perbankan syariah diharapkan dapat lebih
menyeimbangkan portofolio komposisi pembiayaan antara akad murabahah dan
akad lainnya, dan ii) Pemerintah hendaknya terus menjaga stabilitas kondisi
perekonomian Indonesia untuk membantu menekan jumlah pembiayaan
bermasalah perbankan syariah yang berpotensi timbul di masa yang akan datang;


ABSTRACT

The ability to maintain the optimum level of asset quality and non performing
financing in the rapid economic growth period is a challenge for islamic banking.
Non performing financing (NPF) is one of the indicators which needs to be
concerned because of its volatility. It should also be monitored with prudent
banking principles. This research is conducted to find factors that influence Non
Performing Financing in the Indonesian Islamic Banking Industry.
This research uses quantitative method by using econometric model which is
constructed based on the banking behavior models in a competitive banking
sector theory which developed by Freixas and Rochet, and former researches.
Particularly, the thesis aims to analyze industry behavior in the Indonesian
islamic banking. Based on the empirical analysis, it is confirmed that some factors
that influence NPF in the Indonesian Islamic Banks are financing rate (weighted
average method), amount of financing, mudharabah financing rate, amount of
profit, and former NPF ratio itself.
Based on the findings, the research suggests two main recommendations for the
islamic banks and government. Firstly, Islamic banking is expected to balance its
financing portfolio between murabaha financing and the others. Secondly, the
government should maintains economic stability in order to reduce the number of
NPF that could potentially arise in the future., The ability to maintain the optimum level of asset quality and non performing
financing in the rapid economic growth period is a challenge for islamic banking.
Non performing financing (NPF) is one of the indicators which needs to be
concerned because of its volatility. It should also be monitored with prudent
banking principles. This research is conducted to find factors that influence Non
Performing Financing in the Indonesian Islamic Banking Industry.
This research uses quantitative method by using econometric model which is
constructed based on the banking behavior models in a competitive banking
sector theory which developed by Freixas and Rochet, and former researches.
Particularly, the thesis aims to analyze industry behavior in the Indonesian
islamic banking. Based on the empirical analysis, it is confirmed that some factors
that influence NPF in the Indonesian Islamic Banks are financing rate (weighted
average method), amount of financing, mudharabah financing rate, amount of
profit, and former NPF ratio itself.
Based on the findings, the research suggests two main recommendations for the
islamic banks and government. Firstly, Islamic banking is expected to balance its
financing portfolio between murabaha financing and the others. Secondly, the
government should maintains economic stability in order to reduce the number of
NPF that could potentially arise in the future.]
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No. Panggil : T-Pdf
Pengarang :
Pengarang/kontributor lain :
Subjek :
Penerbitan : [Place of publication not identified]: [, Fakultas Ekonomi dan Bisnis Universitas Indonesia], 2014
Program Studi :
Naskah Ringkas :
Sumber Pengatalogan : LibUI ind rda
Tipe Konten : text rda content
Tipe Media : computer
Tipe Carrier : online resource
Deskripsi Fisik : xvi, 83 pages : illustration ; 28 cm + appendix
Catatan Bibliografi : pages 59-62
Lembaga Pemilik : Universitas Indonesia
Lokasi : Perpustakaan UI, Lantai 3
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T-Pdf 15-18-674475416 TERSEDIA
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