Prediktor Risiko dan Kondisi Bermasalah Pada Bank Pembangunan Daerah

Ahadi  Rerung; Eko Budiarto

doi:10.58989/ynimgm.9

Prediktor Risiko dan Kondisi Bermasalah Pada Bank Pembangunan Daerah

Authors

Ahadi Rerung

Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Eko Budiarto

Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura, Papua

DOI: https://doi.org/10.58989/ynimgm.9

Keywords:

Prediktor, Risiko, Kondisi Bermasalah, BPD

Synopsis

Buku monograf ini mengkaji hubungan antara berbagai jenis risiko perbankan dan probabilitas terjadinya kondisi bermasalah (bank distress) pada Bank Pembangunan Daerah (BPD) di Indonesia. Sebagai lembaga keuangan yang memiliki fungsi ganda, yaitu sebagai entitas bisnis sekaligus instrumen pembangunan ekonomi daerah, BPD menghadapi tantangan yang unik dalam menjaga stabilitas keuangan, kecukupan modal, serta keberlangsungan operasionalnya. Oleh karena itu, pemahaman mengenai faktor-faktor yang dapat memprediksi munculnya kondisi bermasalah menjadi sangat penting, baik bagi regulator, manajemen bank, pemerintah daerah, maupun kalangan akademisi.

Penelitian dalam monograf ini menggunakan data 26 Bank Pembangunan Daerah yang secara konsisten mempublikasikan laporan keuangan selama periode 2006–2010, sehingga menghasilkan 130 observasi penelitian. Penilaian kondisi kesehatan bank dilakukan dengan pendekatan CAMEL berdasarkan ketentuan Bank Indonesia, sedangkan analisis pengaruh berbagai risiko perbankan terhadap kondisi bermasalah dilakukan melalui metode regresi logistik. Variabel yang dianalisis meliputi Liquidity Risk Ratio (LRR), Non-Performing Loan (NPL), Deposit Risk Ratio (DRR), Capital Risk Ratio (CRR), dan Interest Rate Ratio (IRR).

Sebagian besar BPD berada dalam kondisi sehat, namun masih terdapat sejumlah observasi yang mengalami kondisi bermasalah. Profil risiko BPD lebih banyak dipengaruhi oleh aspek solvabilitas dibandingkan risiko kredit maupun risiko tingkat bunga. Meskipun rata-rata kredit bermasalah relatif rendah dan pendapatan bunga masih mampu menutupi biaya bunga, beberapa BPD masih menghadapi keterbatasan modal dan tingginya ketergantungan terhadap dana pihak ketiga, khususnya dana pemerintah daerah.

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