Faktor-faktor yang mempengaruhi tingkat deposit dan perilaku risk taking bank umum syariah di indonesia (periode 2011-2015)

Baehaqie, Sofyan (2017) Faktor-faktor yang mempengaruhi tingkat deposit dan perilaku risk taking bank umum syariah di indonesia (periode 2011-2015). Masters thesis, Institut Pertanian Bogor.

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Abstract

Banking sector has a strategic position, functioning as a backing for the payment system, monetary policy implementation, and financial system stability achievement. With these functions owned by the banking sector, the banking assets of 2015 reached Rp 6,021 trillion, and also it had a market share of 78.62% while other financial services had an asset of Rp7,658 trillion. Deposit insurance program is a means or a key element to maintain banking system stability. Bank participation in the deposit insurance program has successfully increased the public trust to the banking industry and rise the deposit from the banking sector. However, it may incur negative effects such as moral hazard due to the transfer of parts of bank management/owners’ risks to the administrator of deposit insurance program. The objective of this research is to identify the factors influencing deposit level and risk taking behavior in accordance to LPS function to keep the stability of banking sector. Additionally, it also will discussed on the preparation for islamic deposit insurance implementation. This research will be conducted by analyzing the monthly financial reports of 11 Islamic based banks during the period of 2011-2015 collected from the IFSA, BI, IDIC and/or Islamic based banks. Quantitative technique used for the research is regression analysis of panel data with 7 variabel, specifically bank size, capital, non performing financing, retun on equity, economic growth, inflation, and BI rate. The findings show that the factors affecting the level of deposits of the Islamic banks in Indonesia significantly and positively include the size of banks and their non-performing financing (NPF), however, they influence the capital negatively. Otherwise, for risk taking behaviour shows that the deposit level, bank size, and non-performing financing, have the significant and positive impacts; however, capital has the opposite influence. Based on these results, the IDIC needs to build a surveillance system. This system is part of the early detection functions. Monitoring the capital structure and financing portfolio from each bank are some examples of the functions. This recommendation might be helpful to minimize the resolution cost from the failed banks and to reduce the moral hazard’s effects from the management/bank’s owner.

Item Type: Thesis (Masters)
Uncontrolled Keywords: bank umum syariah, perilaku risk taking, program penjaminan simpanan syariah, tingkat deposit, Analisis SWOT, Model Regresi Data Panel. deposit level, islamic banking, , islamic deposit insurance scheme, risk taking behaviour
Subjects: Manajemen Keuangan
Depositing User: SB-IPB Library
Date Deposited: 13 Feb 2018 04:56
Last Modified: 13 Feb 2018 04:56
URI: http://repository.sb.ipb.ac.id/id/eprint/2971

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