Pertumbuhan Kredit di Indonesia : Sebuah Analisis Kepatuhan Bank Terhadap Implementasi Basel Accord I-III
Abstract
Abastract. Legitimacy theory has a big role in strengthening the function of banks as intermediaries. This study aims to analyze bank compliance in lending in accordance with the provisions of the Basel Accord I - III. Based on the results of an analysis of national commercial banks in Indonesia using panel data regression, in the span of 2010 - 2017 it was found that the implementation of Basel Accord I - III became a reference for banks in Indonesia in conducting their business, this can be seen from credit growth in line with GDP Low NPL. Good loans growth is also determined from the carrying capacity of bank efficiency, capital adequacy, commitment to bank liabilities, and reference interest rates. All of these findings indicate that the banking industry in Indonesia reflects the suitability of various interests of the community, government and banking itself.
Keywords. loans growth; bank compliance; basel accord i - iii
Abstrak. Teori legitimasi memiliki peran besar dalam memperkuat fungsi bank sebagai perantara. Penelitian ini bertujuan untuk menganalisis kepatuhan bank dalam menyalurkan kredit sesuai ketentuan Basel Accord I – III. Berdasarkan hasil analisis terhadap bank umum di Indonesia dengan menggunakan analisis deskriptif dan regresi data panel, dalam rentang tahun 2013 – 2017 ditemukan bahwa implementasi Basel Accord I – III menjadi acuan penyusunan aturan perbankan di Indonesia, hal ini terlihat dari kepatuhan terhadap pengelolaan kredit bermasalah, kecukupan modal, dan efisiensi bank. Hasil pengujian hipotesis mengungkapkan NPL dan BOPO memiliki pengaruh yang signifikan terhadap pertumbuhan kredit namun CAR ditemukan tidak berpengaruh. Sementara itu variabel GDP maupun BI rate mempengaruhi pertumbuhan kredit. Temuan ini memberikan dukungan pentingnya pengawasan yang tepat terhadap kepatuhan bank dalam menjaga keberlanjutan bisnis bank sebagai lembaga intermediasi, dan pentingnya dukungan dari pemerintah untuk mengendalikan kondisi ekonomi makro.
Kata kunci. Pertumbuhan kredit; kepatuhan bank; basel a ccord I – III
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DOI: https://doi.org/10.17509/jaset.v11i2.18721
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