THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS
The credit risk in Islamic Banking rises significantly due to the escalation of non-performing financing. On the other hand, the asset growth of Islamic banks also not as explosive as happened in the year 2010 – 2014. This study aims to analyze the influence of bank size, leverage, bank ages, other...
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Ar-Raniry State Islamic University of Aceh
2019-12-01
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doaj-53a08f614a4944eeba70b0160c6a7ed82020-11-25T03:44:34ZaraAr-Raniry State Islamic University of AcehShare: Jurnal Ekonomi dan Keuangan Islam2089-62392549-06482019-12-018210.22373/share.v8i2.50513659THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKSYaser Taufik Syamlan0Wardatul Jannah1Institut Agama Islam TazkiaInstitut Agama Islam TazkiaThe credit risk in Islamic Banking rises significantly due to the escalation of non-performing financing. On the other hand, the asset growth of Islamic banks also not as explosive as happened in the year 2010 – 2014. This study aims to analyze the influence of bank size, leverage, bank ages, other competitor banks, Capital Adequacy Ratio (CAR) and Non-Performing Financing (NPF) on the level of risk-taking of Islamic banks in Indonesia. Risk-taking is peroxided by Financing Asset Ratio (FAR) which hasn’t been researched deeply by other researchers, especially in the Islamic banking industry. To measure the risk-taking, this research took cross-section data of Islamic banks in Indonesia from 2010 to 2017 which obtained from the financial reports of 5 full-fledged Islamic banks namely Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Syariah Bukopin, Bank Panin Syariah, Bank Rakyat Indonesia Syariah, Bank Central Asia Syariah, and Bank Negara Indonesia Syariah. This study uses a panel data regression method. The result shows that bank size and bank age have a significant positive effect on risk-taking. Leverage and other competitor banks have a significant negative effect on risk-taking, and CAR and NPF have a negative but insignificant effect. This study recommends that Islamic banks should try to diversify the risk by introducing the new product that is based on the Mudharabah Muqayyadah. ================================================================================================== Determinan Risiko Kredit pada Bank Umum Syariah di Indonesia. Risiko kredit dalam Perbankan Syariah meningkat secara signifikan seiring dengan meningkatnya pembiayaan bermasalah. Di sisi lain, pertumbuhan aset bank syariah juga tidak semasif yang terjadi antara tahun 2010 - 2014. Penelitian ini bertujuan untuk menganalisis pengaruh ukuran bank, leverage, umur bank, bank pesaing lainnya, Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) terhadap tingkat pengambilan risiko bank syariah di Indonesia. Pengambilan risiko dipengaruhi oleh Financing Asset Ratio (FAR) yang belum diteliti secara mendalam oleh peneliti lain terutama di industri perbankan syariah. Untuk mengukur pengambilan risiko, penelitian ini mengambil data cross-section bank syariah di Indonesia dari 2010 hingga 2017 yang diperoleh dari laporan keuangan lima Bank Umum Syariah yaitu Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Syariah Bukopin, Bank Panin Syariah, Bank Rakyat Indonesia Syariah, Bank Central Asia Syariah, dan Bank Negara Indonesia Syariah. Data untuk penelitian ini dianalisis dengan metode regresi. Hasil penelitian menunjukkan bahwa ukuran bank dan usia bank memiliki pengaruh positif yang signifikan terhadap pengambilan risiko, sementara leverage dan bank pesaing lainnya memiliki efek negatif yang signifikan terhadap pengambilan risiko. Dua variabel lain, yaitu CAR dan NPF memiliki pengaruh negatif tetapi tidak signifikan terhadap pengambilan risiko. Penelitian ini merekomendasikan agar bank syariah mencoba untuk mendiversifikasi risiko dengan memperkenalkan produk baru yang didasarkan pada Mudharabah Muqayyadah.https://jurnal.ar-raniry.ac.id/index.php/Share/article/view/5051 |
collection |
DOAJ |
language |
Arabic |
format |
Article |
sources |
DOAJ |
author |
Yaser Taufik Syamlan Wardatul Jannah |
spellingShingle |
Yaser Taufik Syamlan Wardatul Jannah THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS Share: Jurnal Ekonomi dan Keuangan Islam |
author_facet |
Yaser Taufik Syamlan Wardatul Jannah |
author_sort |
Yaser Taufik Syamlan |
title |
THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS |
title_short |
THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS |
title_full |
THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS |
title_fullStr |
THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS |
title_full_unstemmed |
THE DETERMINANT OF CREDIT RISK IN INDONESIAN ISLAMIC COMMERCIAL BANKS |
title_sort |
determinant of credit risk in indonesian islamic commercial banks |
publisher |
Ar-Raniry State Islamic University of Aceh |
series |
Share: Jurnal Ekonomi dan Keuangan Islam |
issn |
2089-6239 2549-0648 |
publishDate |
2019-12-01 |
description |
The credit risk in Islamic Banking rises significantly due to the escalation of non-performing financing. On the other hand, the asset growth of Islamic banks also not as explosive as happened in the year 2010 – 2014. This study aims to analyze the influence of bank size, leverage, bank ages, other competitor banks, Capital Adequacy Ratio (CAR) and Non-Performing Financing (NPF) on the level of risk-taking of Islamic banks in Indonesia. Risk-taking is peroxided by Financing Asset Ratio (FAR) which hasn’t been researched deeply by other researchers, especially in the Islamic banking industry. To measure the risk-taking, this research took cross-section data of Islamic banks in Indonesia from 2010 to 2017 which obtained from the financial reports of 5 full-fledged Islamic banks namely Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Syariah Bukopin, Bank Panin Syariah, Bank Rakyat Indonesia Syariah, Bank Central Asia Syariah, and Bank Negara Indonesia Syariah. This study uses a panel data regression method. The result shows that bank size and bank age have a significant positive effect on risk-taking. Leverage and other competitor banks have a significant negative effect on risk-taking, and CAR and NPF have a negative but insignificant effect. This study recommends that Islamic banks should try to diversify the risk by introducing the new product that is based on the Mudharabah Muqayyadah.
==================================================================================================
Determinan Risiko Kredit pada Bank Umum Syariah di Indonesia. Risiko kredit dalam Perbankan Syariah meningkat secara signifikan seiring dengan meningkatnya pembiayaan bermasalah. Di sisi lain, pertumbuhan aset bank syariah juga tidak semasif yang terjadi antara tahun 2010 - 2014. Penelitian ini bertujuan untuk menganalisis pengaruh ukuran bank, leverage, umur bank, bank pesaing lainnya, Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) terhadap tingkat pengambilan risiko bank syariah di Indonesia. Pengambilan risiko dipengaruhi oleh Financing Asset Ratio (FAR) yang belum diteliti secara mendalam oleh peneliti lain terutama di industri perbankan syariah. Untuk mengukur pengambilan risiko, penelitian ini mengambil data cross-section bank syariah di Indonesia dari 2010 hingga 2017 yang diperoleh dari laporan keuangan lima Bank Umum Syariah yaitu Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Syariah Mega Indonesia, Bank Syariah Bukopin, Bank Panin Syariah, Bank Rakyat Indonesia Syariah, Bank Central Asia Syariah, dan Bank Negara Indonesia Syariah. Data untuk penelitian ini dianalisis dengan metode regresi. Hasil penelitian menunjukkan bahwa ukuran bank dan usia bank memiliki pengaruh positif yang signifikan terhadap pengambilan risiko, sementara leverage dan bank pesaing lainnya memiliki efek negatif yang signifikan terhadap pengambilan risiko. Dua variabel lain, yaitu CAR dan NPF memiliki pengaruh negatif tetapi tidak signifikan terhadap pengambilan risiko. Penelitian ini merekomendasikan agar bank syariah mencoba untuk mendiversifikasi risiko dengan memperkenalkan produk baru yang didasarkan pada Mudharabah Muqayyadah. |
url |
https://jurnal.ar-raniry.ac.id/index.php/Share/article/view/5051 |
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