PENGARUH COMPETITION BANK TERHADAP CREDIT RISK PADA DUAL BANKING SYSTEM DI INDONESIA

FEBRIANA, ADELLA and Suhel, Suhel and Andaiyani, Sri (2022) PENGARUH COMPETITION BANK TERHADAP CREDIT RISK PADA DUAL BANKING SYSTEM DI INDONESIA. Undergraduate thesis, Sriwijaya University.

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Abstract

Penelitian ini menganalisis pengaruh competition bank terhadap credit risk pada dual banking system di Indonesia. Penelitian ini dilakukan dengan teknik Purposive Sampling dalam memilih sampel 5 Bank Umum Konvensional dan 5 Bank Umum Syariah. Metode yang digunakan Generalized Method of Moments (GMM) dari tahun 2011 sampai 2020. Credit risk Bank Konvensional diukur dari nilai Non Performing Loan (NPL) sedangkan Pembiayaan Bank Syariah diukur dari nilai Non Performing Financing (NPF). Hasil penelitian ini menunjukkan bahwa pada Bank Konvensional dan Bank Syariah Return on Asset (ROA) berpengaruh signifikan terhadap credit risk pada dual banking system, Loan to Deposit Ratio (LDR) Bank Konvensional tidak memiliki pengaruh signifikan terhadap Non Performing Loan (NPL) sedangkan Financing to Deposit Ratio (FDR) Bank Syariah memiliki pengaruh signifikan tingkat 2 pada Non Performing Financing (NPF). Bank Size tidak memiliki pengaruh signifikan terhadap credit risk pada dual banking system, dan Lerner Index Bank Konvensional memiliki pengaruh signifikan terhadap Non Performing Loan (NPL), sedangkan pada Bank Syariah Lerner Index tidak memiliki pengaruh pada Non Performing Financing (NPF). Bank Sentral dalam mengambil kebijakan dapat melihat bahwa tingkat competition bank pada dual banking system di Indonesia dikategorikan sebagai pasar persaingan monopolistik, dimana setiap bank memiliki segmen pasarnya masing-masing sehingga memiliki market power yang cukup kuat untuk menetapkan harga yang relatif tinggi dari marginal cost nya agar sistem perbankan di Indonesia semakin kokoh. Kata Kunci: Competition Bank, Credit Risk, Dual Banking System.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Competition Bank, Credit Risk, Dual Banking System.
Subjects:	H Social Sciences > HC Economic History and Conditions > HC10-1085 Economic history and conditions
Divisions:	01-Faculty of Economics > 60201-Development Economics (S1)
Depositing User:	Adella Febriana
Date Deposited:	06 Jan 2023 01:52
Last Modified:	06 Jan 2023 01:52
URI:	http://repository.unsri.ac.id/id/eprint/85405

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