Analysis The Causes of Bad Credit
Literature Review
DOI:
10.47353/ecbis.v2i4.135Published:
2024-06-13Downloads
Abstract
Bad credit is one of the main problems faced by the banking sector, which can threaten financial stability and bank profitability. This research aims to analyze the causes of bad credit through the literature review method, by identifying and evaluating relevant scientific works. The research results show that the causes of bad credit can be categorized into four main factors: internal factors of the borrower, external factors of the borrower, internal factors of the bank, and regulatory and policy factors. The borrower's internal factors include poor management and weak financial capabilities, while external factors include unstable macroeconomic conditions and intense business competition. Internal bank factors include weak credit assessment processes and inappropriate credit policies, while regulatory and policy factors include less effective regulations and erratic changes in government policy. To reduce the risk of bad credit, banks and financial institutions are advised to improve credit assessment processes, tighten supervision of the use of funds, develop credit policies that are more flexible but based on in-depth risk analysis, and strengthen regulations and supervision. Macroeconomic risk mitigation strategies are also important to maintain financial stability. By implementing these strategic steps, it is hoped that the risk of bad credit can be minimized, support the stability and sustainability of the banking sector, and increase trust and security for all parties involved. This research emphasizes the importance of a comprehensive and coordinated approach in credit risk management to ensure the sustainability and stability of the financial system.
Keywords:
Bad Credit Non-Performing Loans (NPL) Credit Risk Management Banking Sector Credit Assessment ProcessReferences
Majid, M. S. (2017). Krisis Ekonomi Dan Solusinya Dalam Perspektif Islam: Analisis Krisis Ekonomi Global 2008. JURNAL PERSPEKTIF EKONOMI DARUSSALAM, 1(2), 85–97.https://Doi.Org/10.24815/Jped.V1i2.6547
Anastasiou, D. (2016). Management And Resolution Methods Of Non-Performing Loans: A Review Of The Literature. SSRN Electronic Journal. Https://Doi.Org/10.2139/Ssrn.2825819
Aristanto, E., Khouroh, U., & Ratnaningsih, C. S. (2020). Dinamika Kebijakan Program Kredit Usaha Rakyat (KUR) Di Indonesia. JURNAL MANAJEMEN DAN KEWIRAUSAHAAN, 8(1). Https://Doi.Org/10.26905/Jmdk.V8i1.4247
Assaji, J. P., & Machmuddah, Z. (2019). RASIO KEUANGAN DAN PREDIKSI FINANCIAL DISTRESS. Jurnal Penelitan Ekonomi Dan Bisnis, 2(2). Https://Doi.Org/10.33633/Jpeb.V2i2.2042
Bathaluddin, M. B., Adhi P., N. M., & Wibowo, W. A. (2012). DAMPAK PERSISTENSI EKSES LIKUIDITAS TERHADAP KEBIJAKAN MONETER. Buletin Ekonomi Moneter Dan Perbankan, 14(3), 257–282. Https://Doi.Org/10.21098/Bemp.V14i3.359
Dewi, N. K. D. F. S., Marwanto, M., & Indrawati, A. . S. (2019). PELAKSANAAN JAMINAN FIDUSIA PADA LEMBAGA PERKREDITAN DESA (LPD) INTARAN DI DESA PAKRAMAN SANUR. Kertha Semaya : Journal Ilmu Hukum, 7(1), 1. Https://Doi.Org/10.24843/KM.2018.V07.I01.P10
Dewi, N. P. I. P., & Ariyanto, D. (2018). Pengaruh Tingkat Efisiensi, Risiko Kredit, Dan Tingkat Penyaluran Kredit Pada Profitabilitas. E-Jurnal Akuntansi, 1164. Https://Doi.Org/10.24843/EJA.2018.V24.I02.P13
Firdaus, M., & Salmah, N. N. A. (2021). Pengaruh Dana Pihak Ketiga, Loan To Deposit Ratio Dan Non Performing Loan Terhadap Jumlah Penyaluran Kredit Pada Bank Umum Di Bursa Efek Indonesia. Jurnal Media Wahana Ekonomika, 18(2), 182. Https://Doi.Org/10.31851/Jmwe.V18i2.6284
Firmanila, F. (2023). Pengaruh Kecukupan Modal, Risiko Kredit, Dan Efisiensi Operasional Terhadap Profitabilitas Dengan Likuiditas Sebagai Variabel Intervening Pada Bank Pembangunan Daerah Di Indonesia. Indonesian Journal Of Strategic Management, 6(1), 13–27. Https://Doi.Org/10.25134/Ijsm.V6i1.7317
Herbowo, H., & Saputri, E. R. (2023). Pengujian Rasio Keuangan Terhadap Financial Distress: Bukti Di Indonesia. Wahana: Jurnal Ekonomi, Manajemen Dan Akuntansi, 26(1), 1–15. Https://Doi.Org/10.35591/Wahana.V26i1.805
Khan, M. A., Siddique, A., & Sarwar, Z. (2020). Determinants Of Non-Performing Loans In The Banking Sector In Developing State. Asian Journal Of Accounting Research, 5(1), 135–145. Https://Doi.Org/10.1108/AJAR-10-2019-0080
Khotimah, N., & Asytuti, R. (2020). Pengaruh Pembiayaan Murabahah, Mudharabah, Musyarakah Dan Rasio Non Performing Financing Terhadap Profitabilitas Pada BPRS Provinsi Jawa Tengah Periode 2013-2018. SERAMBI: Jurnal Ekonomi Manajemen Dan Bisnis Islam, 2(1), 73–82. Https://Doi.Org/10.36407/Serambi.V2i1.156
Maulana, P., Dwita, S., & Helmayunita, N. (2021). Pengaruh CAR, NPL, LDR Dan BOPO Terhadap Return ON Assets (ROA) Pada Bank Yang Terdaftar Di Bursa Efek Indonesia Tahun 2017-2019. JURNAL EKSPLORASI AKUNTANSI, 3(2), 316–328. Https://Doi.Org/10.24036/Jea.V3i2.355
Mohamed, S., Abd Hamid, M. A., Hosin, H., & Md Isa, M. A. (2021). Non-Performing Loans Issues In Malaysian Banking Industry. International Journal Of Academic Research In Business And Social Sciences, 11(3). Https://Doi.Org/10.6007/IJARBSS/V11-I3/8784
Mohammad Zain, E. N., Ghazali, P. L., & Wan Daud, W. M. N. (2022). Factors Contributing To Non-Performing Financing: Evidence From Islamic Banks In Malaysia Before Pandemic. International Journal Of Islamic Business And Management Review, 2(2), 157–162. Https://Doi.Org/10.54099/Ijibmr.V2i2.363
Mustaidah, E., & Fauzan, A. (2021). ANALISIS PEMBIAYAAN BERMASALAH PADA UNIT PENGELOLA KEGIATAN (UPK) BANGKIT MANDIRI KECAMATAN LEBAKWANGI KUNINGAN. Banku: Jurnal Perbankan Dan Keuangan, 2(2), 68–77. Https://Doi.Org/10.37058/Banku.V2i2.3572
Nadzifah, A., & Sriyana, J. (2020). Analisis Pengaruh Inflasi, Kurs, Birate, PDB Dan Kinerja Internal Bank Terhadap Profitabilitas Pada Perbankan Syariah Dan Konvensional. JURNAL MANAJEMEN DAN BISNIS INDONESIA, 6(1), 79–87. Https://Doi.Org/10.32528/Jmbi.V6i1.3537
Palilingan, K. A. T., & Pangemanan, S. S. (2018). IPTEKS PENENTUAN KELAYAKAN KREDIT BANK PADA PT. BANK RAKYAT INDONESIA (PERSERO) TBK, KCP (KANTOR CABANG PEMBANTU) BAHU. Jurnal Ipteks Akuntansi Bagi Masyarakat, 2(02). Https://Doi.Org/10.32400/Jiam.2.02.2018.21820
Pratiwi, K. D., & Kurniasari, D. (2023). Penerapan Model Panel: Determinan Tingkat Pertumbuhan Inklusif Indonesia. Bappenas Working Papers, 6(1), 60–78. Https://Doi.Org/10.47266/Bwp.V6i1.163
Putranto, H. (2022). Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank Pembangunan Daerah Di In-Donesia Periode 2014 - 2018. Jurnal Ekonomi, Manajemen Dan Perbankan (Journal Of Economics, Management And Banking), 5(2), 73. Https://Doi.Org/10.35384/Jemp.V5i2.246
Rahmadani, F., Wijayanti, A., & Fajri, R. N. (2020). Pengaruh Biaya Politik, Cash Holding, Dan Kualitas Auditor Terhadap Income Smoothing. Ekonomis: Journal Of Economics And Business, 4(1), 113. Https://Doi.Org/10.33087/Ekonomis.V4i1.96
Riduwan, R., Pambudi, D. S., Firdausi, M. A. L., & Huda, N. (2021). Settlement Of Non-Performing Financing Without Collateral: An Analytical Study On Islamic Rural Banks. Cakrawala: Jurnal Studi Islam, 16(1), 1–12. Https://Doi.Org/10.31603/Cakrawala.3983
Silalahi, T., & Chawwa, T. (2012). RELATIVE EFFECTIVENESS OF INDONESIAN POLICY CHOICES DURING FINANCIAL CRISIS. Buletin Ekonomi Moneter Dan Perbankan, 14(2), 177–219. Https://Doi.Org/10.21098/Bemp.V14i2.84
Wenno, M., & Laili, A. S. (2019). Analisis Pengaruh CAR, NPL, NIM Dan LDR Terhadap Return On Asset (Studi Pada Bank Umum Konvensional Yang Terdaftar Di BEI). INOBIS: Jurnal Inovasi Bisnis Dan Manajemen Indonesia, 2(4), 513–528. Https://Doi.Org/10.31842/Jurnal-Inobis.V2i4.109
Wibowo, W. S. W., Yunanto, Y., & Hafidh Prasetyo, M. (2020). TINJAUAN YURIDIS TERHADAP PEMBERIAN KREDIT KEPADA USAHA MIKRO KECIL DAN MENENGAH (UMKM) OLEH BANK UMUM. NOTARIUS, 13(2), 710–726. Https://Doi.Org/10.14710/Nts.V13i2.31096
Winarni, W., Soemarso, E. D., Widiyati, S., Setianegara, R. G., & Adhi, N. (2022). PENILAIAN KINERJA RETURN PENGELOLAAN ASSET PERBANKAN (Studi Komparasi Pada Bank Umum Swasta Nasional Devisa Dan Bank Asing). KEUNIS, 10(2), 72. Https://Doi.Org/10.32497/Keunis.V10i2.3467
Yugita, T. U., Anis, A., & Satrianto, A. (2017). PENGARUH KEBIJAKAN MAKROPRUDENSIAL TERHADAP RESIKO KREDIT MACET PADA BPR KONVENSIONAL DI INDONESIA. Ecosains: Jurnal Ilmiah Ekonomi Dan Pembangunan, 6(2), 161. Https://Doi.Org/10.24036/Ecosains.11064657.00
License
Copyright (c) 2024 Juni Sasmiharti
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Downloads
How to Cite
