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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah IJEMA
Layyinaturrobaniyah
Universitas Padjadjaran
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengaruh Risiko Perbankan dan Faktor Ekonomi Makro terhadap Disiplin Pasar: Studi pada Perbankan Konvensional di Indonesia Periode 2017 – 2022 Lukmanul Hakim; Mokhamad Anwar; Layyinaturrobaniyah
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 1 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i1.5284

Abstract

This study aims to determine the effect of banking risk and macroeconomic factors on market discipline in conventional banking in Indonesia during the period 2017 - 2022. Banking risk variables include credit risk represented by the Non Performing Loan (NPL) ratio, liquidity risk measured using the Loan to Deposit Ratio (LDR), and operational risk proxied through the ratio of Operating Expense to Operating Income, while macroeconomic variables include the inflation rate and BI rate. Market discipline is proxied by the growth of Third Party Funds (DPK). The population in this study consisted of banks in Indonesia, while the sample selection used purposive sampling method with a total of 85 conventional banks in Indonesia as samples. This study uses panel data regression analysis method by utilizing secondary data taken from bank financial statements through the Otoritas Jasa Keuangan (OJK) website and macroeconomic data obtained from the Bank Indonesia (BI) website. The results indicate that credit risk and BI rate variables have a significant negative influence on market discipline. However, liquidity risk, operational risk, and inflation rate variables have no influence on market discipline.
Pengaruh Implementasi Rasio Kecukupan Likuiditas Terhadap Penyaluran Kredit Perbankan Di Indonesia Catherine Leona; Layyinaturrobaniyah
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 7 (2025): IJEMA - Juli 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Rasio Kecukupan Likuiditas atau Liquidity Coverage Ratio (LCR) terhadap penyaluran kredit perbankan di Indonesia. Hasil estimasi menunjukkan adanya trade-off antara likuiditas dan ekspansi kredit, di mana penurunan LCR cenderung diikuti oleh peningkatan volume kredit. Pengaruh negatif LCR paling signifikan ditemukan pada bank KBMI 2 dan KBMI 4. Pada KBMI 2, strategi likuiditas konservatif dan dominasi simpanan berjangka mendorong alokasi dana ke aset likuid dibandingkan kredit. Sementara pada KBMI 4, tingginya proporsi dana murah jangka pendek menciptakan tekanan untuk mempertahankan cadangan likuiditas yang besar, yang pada akhirnya menahan laju penyaluran kredit. Temuan ini memberikan implikasi penting bagi perumusan kebijakan yang menyeimbangkan antara kepatuhan likuiditas dan dukungan terhadap fungsi intermediasi bank.
Co-Authors Catherine Leona Lukmanul Hakim Mokhamad Anwar, Mokhamad