Kerentanan Perbankan di Indonesia: Pengukuran dan Penyebabnya

Abstract

This study aims to identify banking vulnerabilities and analyze the factors that influence them. The tool used to identify bank vulnerabilities uses modification crisis and default index (C&D Index) while hypothesis testing uses logit regression. Commercial banks in Indonesia from 2008 to 2018 was taken as sample. As a result, in 2008 and 2013 were the most vulnerable conditions for banks in Indonesia. The reason most banks have been identified as vulnerable is due to decreased profits, increased liabilities in foreign currencies and increased Non Performing Loan (NPL). Logit regression test show that banking fragility is negatively related to capital, liquid assets, and financial assets. ------------------------------ Penelitian ini bertujuan untuk mengidentifikasi kerentanan perbankan dan menguji faktor yang diduga memengaruhinya. Kerentanan bank diidentifikasi menggunakan modifikasi crisis and default index (C&D Index), sedangkan pengujian hipotesis menggunakan regresi logit. Sampel penelitian ini adalah 27 bank komersil di Indonesia periode 2008 sampai 2018. Hasilnya, tahun 2008 dan 2013 adalah kondisi yang paling rentan bagi perbankan di Indonesia. Penyebab sebagian besar bank teridentifikasi rentan adalah karena penurunan profit, peningkatan pinjaman dalam mata uang asing, dan peningkatan Non Performing Loan (NPL). Hasil uji regresi logit menunjukkan kerentanan perbankan di Indonesia berhubungan negatif dengan permodalan bank, aset likuid bank, dan aset keuangan bank.

Pengaruh Perilaku Kepemimpinan Tradisional Etnik Bugis Dan Motif Berprestasi Terhadap Kinerja Pengelola Pusat Kegiatan Belajar Masyarakat Di Sulawesi Selatan

“…Hal ini mengisyaratkan perlunya pengembangan budaya yang bersumber dari nilai-nilai budaya bangsa di masa lalu. (Wibowo, 2008) kebijakan pembangunan nasional memiliki peran dan fungsi yang sangat penting dan strategis bagi pencapaian tujuantujuan pembangunan nasional. Keberhasilan pembangonan nasional tidak hanya ditentukan oleh peran pemerintah, tetapi harus juga didukung oleh peran swasta dan masyarakat sebagi stakeholders pembangunan.…”

Design of Additional Safety Locks for Motor Vehicles Using RFID

“…The anticipated outcome of this research is the development of a prototype tool, designed as an auxiliary safety lock specifically for motorized vehicles [1]. This innovative product is expected to blend both hardware and software components seamlessly.…”

“…The design of this tool aims to get good final results as expected and can make it easier to find and repair if there is damage to the tool series. This design stage starts from creating a series of block diagrams [1], selecting components, arranging the component layout (layout creation), installing components and the finishing process. The design process as shown in Figure 1.…”

“…There has been a notable surge in the development across various sectors, evidenced by the substantial influx of motorized vehicles in the market. The number of these vehicles in Indonesia has reached impressive figures, soaring into the millions, indicative of the country's burgeoning automotive industry [1], [2]. Despite this growth, there is a concerning disparity between the number of vehicles available and the job opportunities that can mitigate poverty and unemployment.…”

Performance Variability of State Owned Enterprises in Financial Sector and Financial Technology Companies During the Covid-19 Pandemic

“…Intermediation theory memberikan penjelasan mengenai fungsi perbankan, yakni perbankan mengemban tanggung jawab sebagai penopang perekonomian suatu negara melalui tugas intermediasi dana (Manda & Hendriyani, 2020). Teori ini menjelaskan bahwa perbankan memiliki peran sebagai penghimpun dana dari pihak ketiga untuk selanjutnya dialokasikan dalam bentuk penyaluran kredit serta pembelian surat berharga (Wibowo & Zakaria, 2021). Perbankan menjadi salah satu entitas bisnis yang secara langsung berhubungan dengan masyarakat.…”