Analisis Non Performing Loan (NPL) Pada Bank Pembangunan Daerah Yang Terdaftar Di Bursa Efek Indonesia Sebelum Dan Selama Pandemi Covid-19
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Jun 11, 2021
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Abstract
Pandemi Covid-19 yang menerpa Indonesia sangat berdampak pada berbagai sektor tak terkecuali jasa keuangan khususnya perbankan. Salah satu indikator yang digunakan dalam mengukur kinerja perbankan adalah non performing loan (NPL). Penelitian ini bertujuan untuk mengetahui kinerja bank pembangunan daerah yang terdaftar di Bursa Efek Indonesia terkait dampak pandemi Covid-19 menggunakan proxy NPL. Hasil penelitian menunjukkan bahwa bank pembangunan daerah pun ikut terdampak imbas dari pandemi Covid-19 ini yang mana NPL tiap bank cenderung bertambah dibandingkan sebelum pandemi Covid-19. Penelitian ini juga menghasilkan temuan lain dari sisi mikroekonomi berupa perbandingan NPL dengan ROA serta dari sisi makroekonomi berupa perbandingan NPL dengan inflasi, pertumbuhan PDB dan Tingkat Pengangguran Terbuka.
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LPPM Politeknik Piksi Ganesha Indonesia
How to Cite
Aldi Akbar, Karyadi, & Budi Rustandi Kartawinata. (2021). Analisis Non Performing Loan (NPL) Pada Bank Pembangunan Daerah Yang Terdaftar Di Bursa Efek Indonesia Sebelum Dan Selama Pandemi Covid-19. Jurnal E-Bis, 5(1), 67-82. https://doi.org/10.37339/e-bis.v5i1.537
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Wangsit Supeno, I. H. (2020). Kinerja Kredit Terhadap Profitabilitas Bpr Pada Masa Pandemi Covid-19. Journal of Chemical Information and Modeling, 53(9).
Widiyanto, M. A. (2013). Statistika Terapan. Jakarta: Elex Media Komputindo.
Yamali, F. R. (2020). Dampak Covid-19 Terhadap Ekonomi Indonesia. Ekonomis: Journal of Economics and Business, 4(2), 384-388.
ADB. (2020, Desember 10). Asian Development Bank. Retrieved Maret 21, 2021, from www.adb.org: https://www.adb.org/news/developing-asia-contract-2020-grow-2021
BPS. (2020). Analisis Hasil Survei Dampak Covid-19 Terhadap Pelaku Usaha. BPS, Subdirektorat Indikator Statistik. Jakarta: BPS RI. Retrieved Maret 21, 2021, from https://www.bps.go.id/publication/2020/09/15/9efe2fbda7d674c09ffd0978/analisis-hasil-survei-dampak-covid-19-terhadap-pelaku-usaha.html
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Chen, H. C., & Yeh, C. W. (2021). Global financial crisis and COVID-19: Industrial reactions. Finance Research Letters. https://doi.org/10.1016/j.frl.2021.101940
Cotugno, M., Stefanelli, V., & Torluccio, G. (2012). Bank Intermediation Models and Portfolio Default Rates: What’s the Relation? SSRN Electronic Journal. https://doi.org/10.2139/ssrn.1662888
De Bock, M. R., & Demyanets, M. A. (2012). Bank asset quality in emerging markets: Determinants and spillovers. International Monetary Fund.
Djumhana, M. (1996). Hukum Perbankan di Indonesia. Bandung: Citra Aditya Bhakti.
Dong, Y., Dong, Y., Mo, X., Hu, Y., Qi, X., Jiang, F., … Tong, S. (2020). Epidemiology of COVID-19 among children in China. Pediatrics. https://doi.org/10.1542/peds.2020-0702
Dzulfaroh, A. N. (2020, November 02). PT. Kompas Cyber Media. Retrieved Maret 20, 2021, from Kompas.com: https://www.kompas.com/tren/read/2020/11/02/180600865/
perjalanan-8-bulan-pandemi-virus-corona-di-indonesia?page=all
Farzami, Y., Gregory-Allen, R., Molchanov, A., & Sehrish, S. (2021). COVID-19 and the liquidity network. Finance Research Letters. https://doi.org/10.1016/j.frl.2021.101937
Fiordelisi, F., Marques-Ibanez, D., & Molyneux, P. (2011). Efficiency and risk in European banking. Journal of Banking and Finance, 35(5). https://doi.org/10.1016/j.jbankfin.2010.10.005
Fuady, M. (2003). Hukum Perbankan Modern Buku Kesatu. Bandung: Citra Aditya Bakti.
Gani, I., & Amalia, S. (2018). Alat Analisis Data: Aplikasi statsitik untuk penelitian bidang ekonomi dan sosial. Yogyakarta: Penerbit ANDI.
Ginting, A. M. (2017). PENGARUH MAKROEKONOMI TERHADAP NON PERFORMING LOAN (NPL) DI INDONESIA: STUDI NON PERFORMING LOAN PERBANKAN. Jurnal Ekonomi Dan Kebijakan Publik, 7(2). https://doi.org/10.22212/jekp.v7i2.669
Gopinath, G. (2020, October 12). International Monetary Fund. Retrieved Maret 20, 2021, from www.imf.org: https://www.imf.org/en/News/Articles/2020/10/13/tr101320-transcript-of-october-2020-world-economic-outlook-press-briefing
Hasibuan, M. S. (2002). Dasar-dasar Perbankan. Jakarta: PT. Bumi Aksara.
Hidayat, F. (Ed.). (2020, September 16). Warta Ekonomi. Retrieved Maret 28, 2021, from wartaekonomi.co.id: t
Ibrahim, J. (2004). Mengupas Tuntas Kredit Komersial dan Konsumtif Dalam Perjanjian Kredit Bank (Perspektif Hukum dan Ekonomi). Bandung: Mandar Maju.
Ikhsan, M. (2020, Juli 22). Turning Pandemic Into Opportunity. Maybank Indonesia Webinar Economic Outlook 2020. Jakarta, DKI, Indonesia: Maybank Indonesia .
Kartikasary, M., Marsintauli, F., Serlawati, E., & Laurens, S. (2020). Factors affecting the non-performing loans in Indonesia. Accounting, 6(2). https://doi.org/10.5267/j.ac.2019.12.003
Kasmir. (2002). Bank dan Lembaga Keuangan Lainnya (6 ed.). Jakarta: PT. Raja Grafindo Persada.
Kontan. (2020, Oktober 20). Kontan.co.id. Retrieved Maret 22, 2021, from keuangan.kontan.co.id: https://keuangan.kontan.co.id/news/begini-nasib-industri-perbankan-di-saat-pandemi-virus-corona-covid-19?page=all
Louzis, D. P., Vouldis, A. T., & Metaxas, V. L. (2012). Macroeconomic and bank-specific determinants of non-performing loans in Greece: A comparative study of mortgage, business and consumer loan portfolios. Journal of Banking and Finance, 36(4). https://doi.org/10.1016/j.jbankfin.2011.10.012
Mashabi, S. (2020, April 20). Kompas Cyber Media. (Krisiandi, Editor) Retrieved April 06, 2021, from Kompas.com: https://nasional.kompas.com/read/2020/04/20/05534481/daftar-18-daerah-yang-terapkan-psbb-dari-jakarta-hingga-makassar?page=all
McKibbin, W., & Vines, D. (2020). Global macroeconomic cooperation in response to the COVID-19 pandemic: a roadmap for the G20 and the IMF. Oxford Review of Economic Policy, 36(Supplement_1), S297–S337. https://doi.org/10.1093/oxrep/graa032
Messai, A. S., & Jouini, F. (2013). Micro and macro determinants of non-performing loans. International Journal of Economics and Financial Issues, 3(4).
Muhammad, A., & Muniarti, R. (2000). Segi Hukum Lembaga Keuangan Dan Pembiayaan. Bandung: PT. Citra Aditya Bakti.
Ningsih, M. R., & Mahfudz, M. S. (2020). DAMPAK PANDEMI COVID-19 TERHADAP MANAJEMEN INDUSTRI PERBANKAN SYARIAH: ANALISIS KOMPARATIF. POINT, 2(1). https://doi.org/10.46918/point.v2i1.576
Nkusu, M. (2011). Nonperforming loans and macrofinancial vulnerabilities in advanced economies. IMF Working Papers, 1–27.
OJK. (2019). Statistik Perbankan Indonesia. Jakarta: Otoritas Jasa Keuangan.
OJK. (2020). Statistik Perbankan Indonesia. Jakarta: Otoritas Jasa Keuangan.
Organization, W. H. (n.d.). Critical preparedness, readiness and response actions for COVID-19: interim guidance, 22 March 2020. Geneva PP - Geneva: World Health Organization. Retrieved from https://apps.who.int/iris/handle/10665/331511
Ozili, P. K. (2015). How Bank Managers Anticipate Non-Performing Loans Evidence from Europe, US, Asia and Africa. Applied Finance and Accounting, 1(2). https://doi.org/10.11114/afa.v1i2.880
Pak, A., Adegboye, O. A., Adekunle, A. I., Rahman, K. M., McBryde, E. S., & Eisen, D. P. (2020). Economic Consequences of the COVID-19 Outbreak: the Need for Epidemic Preparedness. Frontiers in Public Health, 8. https://doi.org/10.3389/fpubh.2020.00241
Prayogo, C. (2020, Oktober 19). Warta Ekonomi. Retrieved Maret 20, 2021, from WartaEkonomi.co.id: https://www.wartaekonomi.co.id/read309848/dampak-pandemi-covid-19-terhadap-perekonomian-dunia-infografis
Pujiyono. (2013). Pentingnya Mediasi Perbankan. Solo: CV. Indotama Solo.
Purwanto, A. (2020, Agustus 29). KompasPedia. Retrieved Maret 21, 2021, from kompaspedia.kompas.id: https://kompaspedia.kompas.id/baca/paparan-topik/kebijakan-fiskal-moneter-dan-jasa-keuangan-untuk-mengatasi-dampak-covid-19-di-indonesia
Rose-Redwood, R., Kitchin, R., Apostolopoulou, E., Rickards, L., Blackman, T., Crampton, J., … Buckley, M. (2020). Geographies of the COVID-19 pandemic. Dialogues in Human Geography, 10(2). https://doi.org/10.1177/2043820620936050
Santoso, S. (2017). Menguasai Statistik dengan SPSS 24. Jakarta: Elex Media Komputindo.
Tribunnews. (2020, September 26). Tribun Network. Retrieved Maret 25, 2021, from Tribunnews.com: https://www.tribunnews.com/corona/2020/09/26/update-corona-26-september-2020-dan-sebarannya-per-provinsi-total-kasus-capai-271339?page=all
Trihendradi, C. (2013). Langkah mudah menguasai SPSS 21. Yogyakarta: Penerbit ANDI.
Untung, B. (2000). Kredit Perbankan di Indonesia. Yogyakarta: Andi.
Walliman, N. (2011). Research methods: the basics. New York: Routledge.
Wangsit Supeno, I. H. (2020). Kinerja Kredit Terhadap Profitabilitas Bpr Pada Masa Pandemi Covid-19. Journal of Chemical Information and Modeling, 53(9).
Widiyanto, M. A. (2013). Statistika Terapan. Jakarta: Elex Media Komputindo.
Yamali, F. R. (2020). Dampak Covid-19 Terhadap Ekonomi Indonesia. Ekonomis: Journal of Economics and Business, 4(2), 384-388.