TANTANGAN PERTUMBUHAN KREDIT DI ERA NEW NORMAL: ANALISIS PERILAKU BANK KONVENSIONAL DAN SYARIAH PASCA COVID-19
DOI:
https://doi.org/10.33474/jimmu.v9i1.22012Kata Kunci:
Pertumbuhan Kredit, Bank Umum Syariah, New Normal, COVID-19Abstrak
Penelitian ini bertujuan untuk mengisi kesenjangan dalam pemahaman tentang perilaku bank umum konvensional dan syariah di Indonesia selama krisis COVID-19, terutama dalam periode setelah penerapan protokol new normal oleh pemerintah Indonesia. Penelitian ini mengkaji dampak jenis operasi (konvensional atau syariah) pada pertumbuhan kredit bank umum di Indonesia selama periode new normal yang disebabkan oleh COVID-19. Data panel triwulanan dari 54 bank umum (42 konvensional dan 12 syariah) digunakan dari kuartal kedua 2020 hingga kuartal keempat 2022. Hasil analisis menunjukkan bahwa bank umum konvensional memiliki pertumbuhan kredit lebih tinggi dibandingkan bank umum syariah. Pengaruh positif terhadap pertumbuhan kredit terlihat dari ukuran aset dan tingkat modal, terutama di bank konvensional. Jenis operasi bank, profitabilitas dan resiko kredit tidak memiliki pengaruh yang signifikan pada pertumbuhan kredit. Temuan ini memberikan dasar bagi rekomendasi kebijakan, seperti fokus pada bank konvensional untuk pertumbuhan kredit yang berkelanjutan, serta perhatian pada profitabilitas dan efisiensi operasional di bank syariah.
This study aims to fill the gap in understanding of the behavior of conventional and Islamic banks in Indonesia during the COVID-19 crisis, especially in the period following the implementation of new normal protocols by the Indonesian government. This study examines the impact of operating type (conventional or Islamic) on commercial bank credit growth in Indonesia during the new normal period caused by COVID-19. Quarterly panel data from 54 commercial banks (42 conventional and 12 Islamic) were used from the second quarter of 2020 to the fourth quarter of 2022. The analysis results indicate that conventional commercial banks exhibit higher credit growth compared to Islamic commercial banks. The positive impact on credit growth is evident from the asset size and capital levels, particularly in conventional banks. The type of bank operations, profitability, and credit risk do not have a significant influence on credit growth. These findings provide the basis for policy recommendations, such as a focus on conventional banks for sustainable credit growth, as well as attention to profitability and operational efficiency in Islamic banks.
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