Analisis Manajemen Resiko Perbankan Dalam Meminimalisir Non Performing Finance

Iroh Rahmawati, Budi Mulyati

Abstract


This research was conducted aiming to determine the process of implementing risk management in minimizing non-performing finance at PT Bank Muamalat. The research method was descriptive research method with a qualitative approach. The results of this study indicate that Bank Muamalat Indonesia applied a comprehensive approach to ten types of risk in accordance with the mandate of Bank Indonesia Regulation No.13 / 23 / PBI / 2011 dated November 2, 2011 concerning the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units namely credit risk, liquidity risk, operational risk, market risk, strategic risk, compliance risk, reputation risk, legal risk, return risk, and investment risk. Bank NPF for 2 years has increased, the percentage of NPF, in 2014 amounted to 6.55%, and in 2015 amounted to 7.11%. This study suggested that banks improve their risk management strategies, add credit risk measurement methods and improve credit monitoring processes

Keywords


Risk Management;Non Performing Finance; Work Capital Loans

Full Text:

PDF

References


Anindita, I., & Arfianto, E. D. (2011). Analisis Pengaruh Tingkat Suku Bunga, CAR, NPL Dan LDR terhadap penyaluran kredit UMKM (studi pada bank umum swasta nasional periode 2003-2010) (Doctoral dissertation, Universitas Diponegoro).

Bank Indonesia. (2009). Peraturan Bank Indonesia No.11/25/PBI/2009 – Perubahan atas PBI No. 5/8/PBI/2003 tentang Penerapan Manajemen Risiko bagi Bank Umum.

Bank Indonesia. (2011). Surat Edaran No. 13/23/DPNP tanggal 25 Oktober 2011 perihal Penerapan Manajemen Risiko Bagi Bank Umum.

Bank Indonesia, 2010. Surat Edaran No.21/11/DPNP tanggal 31 Maret 2010 mengenai perubahan atas Surat Edaran Bank Indonesia no. 3/30/DPNP tanggal 14 Desember 2001 tentang Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum, serta Laporan Tertentu yang disampaikan kepada Bank Indonesia.

Darmawi, Herman. 2012. Manajemen Perbankan. Jakarta: Bumi Aksara.

Dwiana, I., & Wardi, Y. (2014). Pengaruh Tingkat Kepercayaan dan Kepuasan Atas Kualitas Pelayanan Terhadap Loyalitas Nasabah Tabungan Pada Bank Nagari Cabang Pasar Raya Padang. Jurnal Riset Manajemen Bisnis dan Publik, 1(1), 57-66. Diunduh dari http://ejournal.unp.ac.id/index.php/jrmbp/article/view/3189/2670.

Haneef, Shabaz, dkk. 2012. Impact of Risk Management on Non-Performing Loans and Profitability of Banking Sector of Pakistan. Journal of Business and Social Science, Vol. 3, No. 7.

Joseph, Mabvure Tendai, dkk. 2012. Non Performing loans in Commercial Banks: A case of CBZ Bank Limited In Zimbabwe. Interdisciplinary Journal of Conteporary Research in Business, Vol 4, No 7.

Kasmir. (2012). Manajemen Perbankan. Jakarta: PT Raja Grafindo Persada.

Kolapo, T. Funso, R., Kolade Ayeni, M. Ojo Oke. 2012. Credit risk and commercial bank performance in Nigeria: A panel model approach. Australian Journal of Business and Management Research, Vol. 2 No. 02 [31-38].

Kurniawan, M., & Sukirno, S. (2019). Pengaruh NPL, LDR, DAN BOPO Terhadap Profitabilitas Bank Umum. Jurnal Profita: Kajian Ilmu Akuntansi, 7(7), 1-13. Diunduh dari http://journal.student.uny.ac.id/ojs/index.php/profita/article/view/16466/15936.

Laporan Tahunan Annual Report 2014 Bank Muamalat. Jakarta.

Laporan Tahunan Annual Report 2015 Bank Muamalat. Jakarta.

Laporan Keuangan PT. Bank Muamalat Indonesia, Tbk. 2014-2015. Bursa Efek Jakarta.

Mulyaningrum, M. D., Topowijono., & Zahroh, Z. A. (2016). Analisis Manajemen Risiko Perbankan Dalam Meminimalisir Kredit Bermasalah Di Bidang Kredit Modal Kerja (Studi Pada PT Bank Rakyat Indonesia (Persero) Tbk. Cabang Jombang). Jurnal Administrasi Bisnis, 32(1), 121-127. Diunduh dari http://administrasibisnis.studentjournal.ub.ac.id/index.php/jab/article/view/1247/1427.

Nazir, Moh. 2011. Metode Penelitian. Jakarta: Ghalia Indonesia.

Peraturan Bank Indonesia Nomor 13/23/PBI/2011 Tentang Penerapan Manajemen Risiko Bagi Bank Umum Syariah Dan Unit Usaha Syariah. Tersedia online: https://www.bi.go.id/id.

Peraturan Bank Indonesia Nomor 7/2/PBI/2005 tentang Penilaian Kualitas Aktiva Bank Umum. DIunduh dari www.bi.go.id.

Peraturan Bank Indonesia No.11/25/PBI/2009 tentang Perubahan atas PBI No.5/8/PBI/2003 tentang Penerapan Manajemen Risiko bagi Bank Umum. Diunduh dari www.bi.go.id.

Pratiwi, S., & Hindasah, L. (2014). Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, Return on Asset, Net Interest Margin dan Non Performing Loan Terhadap Penyaluran Kredit Bank Umum di Indonesia. Jurnal Manajemen Bisnis, 5(2), 192-208. Diunduh dari https://journal.umy.ac.id/index.php/mb/article/view/1100/1178.

Prihatin, K., & Wiyanto, U. (2020). Pengaruh Non Performing Financing Terhadap Profitabilitas Pada Pt. Bank Muamalat Indonesia, Tbk. Progress, 3(1), 76-90. Retrieved from http://ejournal.lppm-unbaja.ac.id/index.php/progress/article/view/781.

Rivai, Verthzal. 2007. Bank and Financial Institution Management: Convensional dan Syariah System. Jakarta : PT Raja Grafindo Persada.

Rohmah, I. R. Q. (2015). Pengaruh Tingkat kepercayaan, Bagi Hasil, Kesesuaian Hukum Syariah, Reputasi Bank, dan Perolehan Informasi Terhadap Keinginan Menambah Tabungan Mudharabah di Bank Rakyat Indonesia Syariah Cabang jember. (Skripsi, Universitas Negeri Jember). Diunduh dari http://repository.unej.ac.id/

Puspitasari, Diana. 2009. Analisis pengaruh CAR, NPL, PDN, NIM, BOPO, LDR, dan Suku Bunga SBI terhadap ROA (Studi Pada Bank Devisa di Indonesia periode 2003-2007). Tesis. Program Studi Magister Manajemen, Program Pascasarjana, Universitas Diponegoro, Semarang.

Salinan Peraturan Otoritas Jasa Keuangan Nomor 18 /POJK.03/2016 tentang Penerapan Manajemen Resiko bagi Bank Umum. Diunduh dari https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Documents/Pages/POJK-Nomor-18.POJK.03.2016/SAL%20-%20POJK%20Manajemen%20Risiko%20.pdf.

Soegoto, H. (2011). Pengaruh Nilai dan Kepercayaan Terhadap Loyalitas Nasabah Prioritas. Majalah Ilmiah UNIKOM.

Wiagustini, Luh Putu. 2010. Dasar-dasar Manajemen Keuangan. Denpasar: Udayana University Press.

Yuliza, Y., & Sari, R. L. (2013). Analisis Tingkat Kepercayaan Pada Nasabah Bank Umum Pasca Kasus Century. Ekonomi dan Keuangan, 1(5), 62-68. Diunduh dari https://jurnal.usu.ac.id/index.php/edk/article/view/9220/4010.




DOI: http://dx.doi.org/10.35448/jiec.v5i1.8913

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Copyright © Syi’ar Iqtishadi: Journal of Islamic Economics, Finance and Banking.

 
Syi’ar Iqtishadi: Journal of Islamic Economics, Finance and Banking has been indexed by: