ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI STRATEGI PEMBERIAN KREDIT DAN DAMPAKNYA TERHADAP NON-PERFORMING LOAN (Studi Kasus pada Bank Perkreditan Rakyat Provinsi Daerah Istimewa Yogyakarta)
Keywords:
external environment, internal environment, lending strategy, non-performing loanAbstract
Research was conducted at the Rural Bank of Yogyakarta Province, with the title: "Analysis of Factors Affecting Lending Strategy and Its Impact on Non-Performing Loan" (Case Study on Rural Bank of Yogyakarta Province). The purpose of this study was to determine the effect of external environment, internal environment of the lending strategy as well as the influence of credit strategy against non-performing loans at the Rural Bank Province Yogyakarta. The analytical tool used is multiple regressions.
From the result and data analysis can be concluded that: 1) the external environment has a significant influence on the rural bank's lending strategy, based on the calculate of multiple linear regression analysis, where the t value bigger than value of t table; 2) bank's internal environment has a significant influence on the rural bank's lending strategy, based on the calculate of multiple linear regression analysis, where the obtained t value is bigger than value t table; and 3) lending strategies have significant effects on non-performing loans at the Rural Bank in Yogyakarta Province, based on the calculate of simple linear regression analysis, where the obtained t value variable lending strategy against non-performing loans is smaller than the value of t table.
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Arens, A. A., & Loebbecke, J. K. (2000). Auditing an integrated approach (8th ed). New Jersey: Prentice Hall Inc.
Bank Indonesia. (2008). Laporan keuangan BPR konvensional. http://www.bi.go.id
Bank Indonesia. (2006). PBI No. 8/19/PBI/2006. http://www.bi.go.id
Batubara, R. (2000). Upaya restrukturisasi non performing loan dalam rangka memperbaiki kualitas aktivitas aktiva produktif (studi kasus terhadap program restrukturisasi NPL Bank X). Tesis Program Pasca Sarjana Universitas Indonesia.
Biekpe, N., & Kiweu, M. (2009). Leveraging donor funds: the switch to commercial funding. Journal of Managerial Finance, 35 (12).
Chen, J. P. (2003). Non-performing loan securitization in the people’s republic of china. Asset Management Reference, September 2003, (9).
Dendawijaya, L. (2003). Manajemen perbankan. Jakarta: Ghalia Indonesia.
Djohanputro, B., & Kountur, R. (2007). Non performing loan (NPL) Bank Perkreditan Rakyat (BPR).
Elsas, R., & Krahnen, J. P. (2002). Collateral, relationship lending and financial distress: An empirical study on financial contracting. Department of Finance, Goethe-Universität Frankfurt.
Ferdinand, Augusty. (2002). Structural equation modeling dalam penelitian manajemen, aplikasi model - model rumit dalam penelitian untuk tesis magister dan disertasi. Semarang: Badan Penerbit Universitas Diponegoro.
Firdaus, H. R., & Ariyanti, M. (2004). Manajemen perkreditan bank umum (Edisi II). Bandung: Penerbit Alfabeta.
Ghozali, Imam. (2005). Aplikasi analisis multivariate dengan program SPSS (Edisi III). Semarang: Badan Penerbit Universitas Diponegoro.
Gorter, N., & Bloem, M. (2002). The macroeconomic statistical treatment of NPLs. Publication of The Organization for Economic Corporation & Development.
Hair, J. F., Joseph, J. D., Anderson, R. E., Tatham, R. L., & Black, W. C. (1995). Multivariate data analysis with reading (fourth ed). New Jersey: Prentice Hall International, Inc.
Hwang, D. Y., & Wu, W. H. (2006). Financial system reform in Taiwan. Paper presented at the JAE Conference on Financial System Reform and Monetary Policies in Asia.
Kasmir. (2002). Manajemen perbankan (Edisi IV). Jakarta: PT Raja Grafindo Persada.
Klapper, Leora. (2001). The uniqueness of short-term collateralization. Policy Research Working Paper.
Kyaw, Aung. (2008). Financing small and medium enterprises in Myanmar. Discussion Paper No. 148. Institute of Developing Economies.
Mahmoeddin, As. (2002). Melacak kredit bermasalah. Jakarta: Pustaka Sinar Harapan.
Manove, M., Padilla, A. J., & Pagano, M. (2001). Collateral versus project screening: A model of lazy bank. RAND Journal of Economics, 32 (4).
Marbun, Anderson. (2006). Peranan pengendalian internal dalam menunjang efektivitas sistem pemberian kredit usaha kecil dan menengah (Studi kasus pada koperasi simpan pinjam Artha Jaya Sentosa). Skripsi, Fakultas Ekonomi Universitas Widyatama.
Masyhud, Ali. (2004). Asset liability management: Menyiasati risiko pasar dan risiko operasional. Jakarta: PT Gramedia Pustaka Utama.
Mulyadi, & Puradiredja, K. (1998). Auditing (Edisi V). Jakarta: Penerbit Salemba Empat.
Ono, Arito, & Uesugi, I. (2005). The role of collateral and personal guarantees in relationship lending: Evidence from Japan’s small business loan market. RIETI Discussion Paper Series 05-E-027.
Peterson, Jessica, & Wadman, Isac. (2004). Non performing loans (the markets of Italy and Sweden). Bachelor Thesis Department of Business Studies Uppsala University.
Republik Indonesia. (1998). Undang-Undang Nomor 10 Tahun 1998 tentang Pokok-Pokok Perbankan. Jakarta.
Saptono, & Widiyatmaya, Yuli. (2007). Penerapan sistem kredit kelompok sebagai alternatif strategi penyaluran kredit kepada usaha mikro (Laporan penelitian terhadap kredit kelompok di wilayah kerja KBI Solo pasca proyek PHBK). http://www.profi.or.id.
Soedarto, Much. (2002). Analisis faktor-faktor yang mempengaruhi penyaluran kredit pada bank perkreditan rakyat (Studi kasus pada BPR di wilayah kerja BI Semarang). Tesis Program Pasca Sarjana Universitas Diponegoro.
Sutojo, Siswanto. (2007). Seri Manajemen Bank No. 6 – Strategi manajemen kredit bank umum : Konsep, teknik, dan kasus. Jakarta: Damar Mulia Pustaka.
Voordeckers, Wim, & Steijvers, Tensie. (2003). Business collateral and personal commitments in SME lending. Paper presented at EFMA Conference.
Waweru, N. M., & Kalani, V. M. (2009). Commercial banking crises in Kenya: Causes and remedies. African Journal of Accounting Economic, Finance and Banking Research.
Widodo, Priyo. (2003). Analisis persepsi nasabah terhadap faktor-faktor yang mempengaruhi kredit macet pada PT BPR Karticentra Artha Mranggen Kabupaten Demak. Tesis Program Pasca Sarjana Universitas Diponegoro.
Yoon, K. C., & Smith, S. D. (2002). Real options: A commercial bank lending application. Department of Finance, University of Central Florida, Orlando, Florida.
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2014-03-01
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Articles in JBIMA (Jurnal Bisnis dan Manajemen) Vol. 2 No. 1
