49 DAFTAR PUSTAKA
Abduh, Muhammad dan Alias, Alizat. (2014). Factors Determine Islamic Banking Performance in Malaysia: A Multiple Regression Approach. Journal ofIslamic Banking and Finance Jan.- March.
Abedalfattah, Z.A-A dan Faris, N. A-S. (2013). Analysis the Determinant of Credit Risk in Jordania Banking: an Empirical Study. Management Research and Practice, 5 (3), 21-30.
Ahmad, Fawad dan Bashir, Taqadus. (2013). Explanatory Power of Bank Specific Variables as Determinants of Non-Performing Loans: Evidence form Pakistan Banking Sector. World Applied Sciences Journal, 22 (9), 1220-1231.
Ahmad, Muhammad Ishfaq., dkk. (2016). NPL and Corporate Governance:
A Case of Banking Sector of Pakistan. Accounting and Finance Research, 5 (2).
Ali, Masyhud. (2006). Manajemen Risiko: Strategi Perbankan dan Dunia Usaha Menghadapi Tantangan Globalisasi Bisnis. PT RajaGrafindo Persada:
Jakarta.
Angahar, Paul Aondona dan Mejabi, Simon Kolawole. (2014). The Impact of Corporate Governance Variables on Nonperforming Loans of Nigerian Deposit Money Banks. Asian Economic and Financial Review, 4 (11):,1531-1544.
Asfaw, Atakelt Hailu dan Veni, P. (2015). Determinants Of Credit Risk In Ethiopian Private Commercial Banks. International Journal of Accounting and Financial Management Research (IJAFMR), 5 (3), 1- 14.
Aslam, Muhammad Kashif., dkk. (2016). Determinants Affecting the Profitability of Islamic Banks: Evidence from Pakistan. International Journal of Operations and Logistics Management, 5 (2), 155-127.
Aziz, M. Amin. (1990). Mengembangkan Bank Islam Di Indonesia. Penerbit Bangkit, Jakarta.
Balgova, Maria., dkk. (2016). The economic impact of reducing nonperforming loans. European Bank for Reconstruction and Development.
Baltagi, Badi H. (2005). Econometric Analysis Of Panel Data, 3rd ed. John Wiley
& Sons Ltd, England.
50 Bholat, David., dkk. (2016). Non-performing loans: regulatory and
accounting treatments of assets. Bank of England No. 594.
Bussoli, Candida., dkk. (2015). The Impact of Corporate Governance on Banks Performance and Loan Quality: Evidence From Italian Cooperative Banks. Chinese Business Review, 14 (8), 390-401.
Chi, Wuchun., dkk. (2015). A Quantile Regression Analysis on Corporate Governance And The Cost of Bank Loans: A Research Note. Review of Accounting and Finance, 14 (1), 2-19.
Cooper, Donald. R dan Schindler, Pamela S. (2014). Business Research Methods, 12th edition. McGraw-Hill, New York.
Dimitrios, Anastasiou., dkk. (2016). Determinants of Non-Performing Loans:
Evidence from Euro-Area Countries. Finance Research Letters 18 (2016).
Ekanayake dan Azeez. (2015). Determinants of Non-Performing Loans in Licensed Commercial Banks: Evidence From Sri Lanka. Asian Economic and Financial Review, 5 (6), 868-882.
Felicio, dkk. (2016). Corporate Governance and The Performance of Commercial Banks: A Fuzzy-Set Qca Approach. Journal of Small Business Strategy, 26 (1), 87-101.
Fezai, dkk. (2017). Online Reduced Kernel Principal Component Analysis for Process Monitoring. Journal of Process Control, 61, 1-11.
Firmansyah, Irman. (2014). Determinant of Non Performing Loan:
the Case of Islamic Bank in Indonesia. Buletin Ekonomi Moneter dan Perbankan, 17 (2), 242-258.
Ghosh, Amit. (2015). Banking-Industry Specific and Regional Economic Determinants of Non-Performing Loans: Evidence from US States.
Journal of Financial Stability, 20, 93-104.
Ghosh, Amit. (2017). Sector-specific Analysis of Non-Performing Loans in The US Banking System and Their Macroeconomic Impact. Journal of Economics and Business, 93 (2017) 29–45.
Greene, William H. (2012). Econometric Analysis, 7th ed. Pearson: England.
Greuning, Hennie Van dan Bratanovic, Sonja Brajovic. (2009). Analyzing Banking Risk: A Framework for Assessing Corporate Governance and Risk Management, 3rd ed. The World Bank: Washington, D.C.
51 Gujarati, Damodar N. dan Porter, Dawn C. (2009). Basic Econometrics, 5th ed.
McGraw-Hill, International Editions.
Hamzah, Ahmad Husni dan Zulkafli, Abdul Hani. (2014). Board diversity and corporate expropriation. Procedia - Social and Behavioral Sciences, 164, 562-568.
Hantono. (2017). Effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) to Return On Assets (ROA) Listed in Banking in Indonesia Stock Exchange. International Journal of Education and Research, 5 (1), 69-80.
Hartono, Jogiyanto. (2016). Metodologi Penelitian Bisnis: Salah Kaprah dan Pengalaman-pengalaman, edisi enam. BPFE, Yogyakarta.
Ikatan Bankir Indonesia. (2013). Memahami Bisnis Bank. PT Gramedia Pustaka Utama, Jakarta.
Juniarti dan Natalia, The Lia. (2012). Corporate Governance Perception Index (CGPI) and Cost of Debt. International Journal of Business and Social Science, 3 (!8), 223-232.
Kasana, Iqbal Sohaib. (2016). The Determinants of Credit Risk in Commercial Banks of Pakistan. Journal of Poverty, Investment and Development, 25, 65-72.
Kilic, Merve. (2015). The Effect of Board Diversity on the Performance of Banks:
Evidence from Turkey. International Journal of Business and Management, 10 (9), 182-192.
Kim, Donghoh dan Kim Se-Kang. (2012). Comparing Patterns of Component Loadings: Principal Component Analysis (PCA) versus Independent Component Analysis (ICA ) in Analyzing Multivariate Non-normal Data. Beahavioral Reseacrh, 44, 1239-1243.
Kumala, Putu Ayu Sintya dan Suryantini, Ni Putu Santi. (2015). Pengaruh Capital Adequacy Ratio, Bank Size dan Bi Rate Terhadap Risiko Kredit (NPL) Pada Perusahaan Perbankan. E-Jurnal Manajemen Unud, 4 (8), 2228- 2242.
Kuncoro, Mudrajad dan Suhardjono. (2002). Manajemen Perbankan Teori dan Aplikasi, edisi pertama. BPFE-Yogyakarta, Yogyakarta.
Kuncoro, Mudrajad. (2011). Metode Kuantitatif: Teori dan Aplikasi untuk Bisnis dan Ekonomi, edisi empat. UPP STIM YKPN, Yogyakarta.
52 Kurnia, Nenny., dkk. (2015). Islamic Finance Outlook 2015. Karim Consulting
Indonesia.
Larcker, D.F., dkk. (2007). Corporate governance, accounting outcomes, and organizational performance. Accounting Review. Tersedia di http://ssrn.com/abstract=976566, diakses pada 15 November 2017.
Louzis, Dimitrios P., dkk. (2012). Macroeconomic and Bank Specific Determinants of Non Performing Loans in Greece: A Comparative Study of Mortgage, Business and Consumer Loan Portfolios. Journal of Banking & Finance, 36, 1012–1027.
Malimi, Kilugala. (2017). The Influence of Capital Adequacy, Profitability, and Loan Growth on NonPerforming Loans a Case of Tanzanian Banking Sector. International Journal of Economics, Business and Management Studies, 4 (1), 38-49.
Messae Ahlem Selma dan Jouini, Fathi. (2013). Micro and Macro Determinants of Non-performing Loans. International Journal of Economics and Financial Issues, 3 (4), 852-860.
OJK. Laporan Perkembangan Keuangan Syariah 2015. (2016). Otoritas Jasa Keuangan (OJK). www.ojk.go.id
OJK. Statistik Perbankan Indonesia. (2017). Otoritas Jasa Keuangan (OJK).
www.ojk.go.id
Peraturan Bank Indonesia Nomor 17/11/PBI/2015 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 15/15/PBI/2013 Tentang Giro Wajib Minimum Bank Umum Dalam Rupiah Dan Valuta Asing Bagi Bank Umum Konvensional. www.bi.go.id
Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2016 tentang Kewajiban Penyediaan Modal Minimum Bank Umum. www.ojk.go.id
Peraturan Otoritas Jasa Keuangan Nomor 18 /POJK.03/2016 tentang Penerapan Manajemen Risiko Bagi Bank Umum. www.ojk.go.id
Peraturan Otoritas Jasa Keuangan Nomor 55 /Pojk.03/2016 tentang Penerapan Tata Kelola Bagi Bank Umum. www.ojk.go.id
Pestova, Anna dan Mamonov, Mikhail. (2012). Macroeconomic and Bank- Specific Determinants Of Credit Risk: Evidence From Russia.
Economics Education and Research Consortium.
53 Rahman, dkk. (2017). Impact of Financial Ratios on Non-Performing Loans of Publicly Traded Commercial Banks in Bangladesh. International Journal of Financial Research, 8 (1), 181-188.
Rajha, Khaled Subhi. (2016). Determinants of Non-Performing Loans: Evidence from the Jordanian Banking Sector. Journal of Finance and Bank Management, 4 (1), 125-136.
Rose, Peter S. dan Hudgins, Sylvia C. (2010). Bank Management & Financial Services, 8th ed., Mc-Graw-Hill International Edition, Boston.
Saunders, A. dan Cornett, M. (2003). Financial INtitutions Management: A Risk Management Approach, 4th ed., McGraw-Hill, Boston.
Saunders, A. dan Cornett, M. (2013). Financial Institutions Management: A Risk Management Approach, 8th ed., McGraw-Hill, Boston.
Sekaran, Uma dan Bougie, Roger. (2009). Research Methods for Business, 5th ed.
John Wiley & Sons Ltd, United Kingdom.
Suliyono, Joko. (2011). 6hari Jago SPSS17. Cakrawala, Yogyakarta.
Surat Edaran Bank Indonesia Nomor 3/30/DPNP tanggal 14 Desember 2001 Lampran 14. Pedoman Perhitungan Rasio Keuangan. www.bi.go.id
Surat Edaran Bank Indonesia Nomor 12/11/DPNP tanggal 31 Maret 2010 tentang Perhitungan Rasio Keuangan. www.bi.go.id
Tarchouna, Ameni., dkk. (2017). How to explain non-performing loans by many corporate governance variables simultaneously? A corporate governance index is built to US commercial banks. Research in International Business and Finance, 42, 645-657.
Thompson, Jr., A. A., dkk. (2014). Crafting and Executing Strategy The Quest for Competitive Advantage: Concepts and Cases, 20th edition.
Irwin/McGraw-Hill, Boston.
Tim Penyusun PAPI. (2008). Pedoman Akuntansi Perbankan Indonesia (Revisi 2008). Jakarta: Bank Indonesia.
Warsono, Sony., dkk. (2009). Corporate Governance Concept and Model:
Preserving True Organization Welfare. Center for Good Corporate Governance Universitas Gadjah Mada (CGCG UGM), Yogyakarta.
Yunisa, Simon A. dan Omah, I. (2013). Deposit- Money- Banks: Unethical Divergence In Capital Adequacy Ratios – Nigeria Perspective.
54 International Journal of Advanced Research in Management and Social Sciences, 2 (2), 1-19.
Zribi, Nabila dan Boujelbene, Younes. (2011). The factors Influencing Bank Credit Risk: The Case of Tunisia. Journal of Accounting and Taxation, 3 (4), 70-78.
