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A Risk-Based Bank Rating: Studi Multi Kasus pada Perbankan Syariah

Jihbiz : Journal of Islamic Economy, Finance, and Banking

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Title A Risk-Based Bank Rating: Studi Multi Kasus pada Perbankan Syariah
Multy Case Study: Risk-Based Bank Rating on Sharia Banking in Indonesia
 
Creator Rofiqoh, Siti Nur Indah
Ratnasari, Ririn Tri
Rufaidah, Anik
Hasib, Fatin Fadhilah
 
Subject internal factors
external factors
the credit risk of sharia banking
faktor internal
faktor eksternal
risiko pembiayaan manajemen perbankan syariah
 
Description Artikel ini bertujuan untuk menjelaskan analisis internal dan eksternal risiko pembiayaan bermasalah perbankan syariah. Analisis internal berkenaan dengan Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Return on Assets (ROA) Operating Expenses Ratio (OER), Financing to Value (FTV), Profit and Loss Sharing (PLS). Analisis eksternal berkenaan dengan 17 sektor Gross Domestic Product (GDP) menurut lapangan usaha. Laporan keuangan Statistik Perbankan Syariah (SPS) dan Statistik Ekonomi Keuangan Indonesia (SEKI) merupakan data sekunder yang mendukung penetapan skala prioritas pada analisis SWOT elemen IFAS dan EFAS setelah uji analisis regresi berganda.  Berbeda dengan hasil uji statistik, temuan penelitian berdasarkan analisis SWOT menyimpulkan bahwa variabel internal lebih berdampak pada risiko pembiayaan bermasalah dibandingkan variabel eksternal. Adapun variabel internal yang dominan mempengaruhi adalah kenaikan Rasio Beban Biaya Operasional. Kelemahan penulisan artikel ini adalah implikasi SPS dan SEKI sebagai data kuantitatif yang dikualitatifkan, kepatuhan syariah dari regulator manajemen perbankan syariah serta kepatuhan syariah dari penyedia data SPS dan SEKI.
This paper aims to explain the internal and external factors on the credit risk that represented by Non-Performing Financing (NPF) of sharia bank. Internal variables related to Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR). Return on Assets (ROA), Operating Expenses Ratio (OER), Investment Proportion and Risk (IPR), Profit and Loss Sharing (PLS) as financing ratio. External variables related to Gross Domestic Product (GDP) by industrial origin. The annual data report of Statistik Perbankan Syariah (SPS) and Statistik Ekonomi Keuangan Indonesia (SEKI) in Indonesia as secondary data is used to support priority setting of SWOT analysis element to complete IFAS dan EFAS after the multiple regression analysis. Different with the result of regression t and f-Statistic analysis, the finding indicated that internal variables more influence than external variable on the credit risk based on SWOT priority analysis. The most influence variable on the credit risk is increasing Operating Expenses Ratio (OER). The limitations of this paper are expected to have difference implication for SPS, the sharia compliance from regulator management and the important role of SPS and SEKI.
 
Publisher Universitas Islam Raden Rahmat
 
Date 2022-01-31
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
 
Format application/pdf
 
Identifier https://ejournal.uniramalang.ac.id/index.php/jihbiz/article/view/1039
10.33379/jihbiz.v6i1.1039
 
Source Jihbiz : Journal of Islamic Economy, Finance, and Banking; Vol. 6 No. 1 (2022); 15-26
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah; Vol 6 No 1 (2022); 15-26
2807-6028
2549-0397
10.33379/jihbiz.v6i1
 
Language ind
 
Relation https://ejournal.uniramalang.ac.id/index.php/jihbiz/article/view/1039/703
 
Rights Copyright (c) 2022 Jihbiz: Journal of Islamic Economy, Finance, and Banking
https://creativecommons.org/licenses/by-nc/4.0