EFEKTIFITAS KEBIJAKAN MAKROPRUDENSIAL PERBANKAN DAN PENYALURAN KREDIT DI ACEH

Meutia Qudraty, Suriani Suriani

Abstract


The purpose of the research is to analyze macroprudensial policy set by Bank Indonesia through an instrument Loan to Value (LTV), Loan to Deposit Ratio (LDR) against credit commercial banks in Aceh Province as GDP as controller variable. This research use statistic descriptive model as means of the analysis where data used the total LTV, total LDR, the total credits and the total Non Performing Loans and GDP of Aceh in quarterly since 2011 until 2014. The result showed that policy instruments macroprudensia set by the central bank influence total credit commercial banks in Aceh Province, so it can reduce the risk of Non Performing Loan (NPL). Hence, expected Bank Indonesia must consider and evaluate this situasion has given makroprudensial which give impact greater against credit in Aceh Province. To Further Research, suggested to add CAR (Capital Adequacy Ratio) and Reserve Requirement (GWM) as variable that might affect performance commercial banks in Aceh Province

Penelitian ini bertujuan untuk menganalisis efektifitas kebijakan makroprudensial yang ditetapkan oleh Bank Indonesia (BI) yaitu melalui instrumen Loan to Value (LTV), Loan to Deposit Ratio (LDR) terhadap penyaluran kredit bank umum di Aceh dengan PDRB Aceh sebagai variabel pengontrol. Penelitian ini menggunakan model statistik deskriptif sebagai alat analisisnya dimana data yang digunakan yaitu total LTV, total LDR, total kredit, total NPL dan PDRB Aceh dalam kuartalan sejak tahun 2011 hingga 2014. Hasil penelitian menunjukkan bahwa, instrumen kebijakan makroprudensial yang ditetapkan oleh BI memengaruhi total penyaluran kredit bank umum di Aceh sehingga bank umum di Aceh sehingga dapat mengurangi risiko kredit bermasalah (Non Performing Loan). Namun, Bank Indonesia harus memperhatikan dan mengevaluasi keadaan tersebut dengan melihat instrumen makroprudensial yang mana memberikan pengaruh paling besar terhadap penyaluran kredit di Provinsi Aceh. Untuk penelitian selanjutnya, disarankan untuk menambahkan CAR (Capital Adequacy Ratio) dan GWM (Giro Wajib Minimum) sebagai variabel-variabel yang dapat memengaruhi kinerja bank-bank umum di Aceh.


Keywords


Macroprudensial Instrument, LDR , LTV and Descriptive Statistic

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DOI: https://doi.org/10.24815/jped.v2i1.6651

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Copyright (c) 2017 Jurnal Perspektif Ekonomi Darussalam



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Published by:

Islamic Economics Department collaborated with IAEI DPW Aceh
Economics and Business Faculty
Syiah Kuala University
Kopelma Darussalam, Banda Aceh, Indonesia - 23111
ISSN: 2502-6976, E-ISSN: 2580-6297

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