Indikator yang Ditambahkan

13 indikator baru sesuai standar internasional

Total Ditambahkan

Standar IMF/BIS

Bab Terdampak

✨Credit-to-GDP Gap

Bab B

Basel III Countercyclical Capital Buffer (CCyB)

Formula: Credit/GDP (actual) - Credit/GDP (trend, HP filter λ=400,000)

BIS/Basel Committee on Banking SupervisionBIS, "Guidance for national authorities operating the countercyclical capital buffer" (2010)

Lihat Referensi

Digunakan oleh 50+ negara untuk mendeteksi excessive credit growth

✨Z-Score Perbankan

Bab C

IMF FSI Core Indicator untuk stabilitas bank

Formula: Z = (ROA + Equity/Assets) / σ(ROA)

IMFIMF, "Financial Soundness Indicators Compilation Guide" (2019), Chapter 6

Lihat Referensi

Digunakan oleh 85%+ negara anggota IMF

✨Household Debt-to-GDP

Bab G

IMF FSI Indicator untuk leverage rumah tangga

Formula: Total Household Debt / Nominal GDP

IMF/World BankIMF FSI Guide 2019; World Bank GFDD

Lihat Referensi

Standard metric dalam Financial Stability Reports global

✨Household Debt Service Ratio (DSR)

Bab G

Early warning indicator untuk household financial stress

Formula: (Principal + Interest Payment) / Disposable Income

BISBIS, "Debt service ratios statistics"

Lihat Referensi

Threshold >20% menandakan potensi masalah; dimonitor BIS untuk 32 negara

✨Household Debt-to-Income (DTI)

Bab G

Macroprudential indicator untuk kemampuan bayar

Formula: Total Household Debt / Annual Household Income

BIS/Various Central BanksBI, World Bank

Digunakan sebagai limit macroprudential di banyak negara

✨Corporate Interest Coverage Ratio (ICR)

Bab G

Kemampuan korporasi membayar beban bunga

Formula: EBIT / Interest Expense

BIS/IMFBIS, "Debt service and financial conditions of firms"

ICR < 1.5 menandakan risiko default tinggi

✨Quick Ratio (Korporasi)

Bab G

Likuiditas jangka pendek korporasi

Formula: (Current Assets - Inventory) / Current Liabilities

Standard AccountingIFRS, corporate financial analysis

Ratio < 1 menandakan potensi masalah likuiditas

✨Commercial Property Price Index

Bab G

Kelengkapan monitoring sektor properti

IMF FSIIMF FSI Guide 2019, Additional Indicators

Dipublikasikan oleh 40+ negara

✨LTV Distribution

Bab G

Monitoring risiko kredit properti

BI MacroprudentialPBI tentang Ketentuan Loan-to-Value (LTV)

Standard macroprudential tool di ASEAN

✨Price-to-Income Ratio

Bab G

Housing affordability indicator

Formula: Median House Price / Median Annual Household Income

OECDOECD Housing Price Statistics

Lihat Referensi

Ratio > 5 menandakan overvaluation

✨IndONIA (Indonesia Overnight Index Average)

Bab E

Rate acuan baru BI untuk pasar uang domestik

Bank IndonesiaBI, Pengumuman IndONIA (2018)

Pengganti JIBOR untuk transaksi overnight

✨SOFR (Secured Overnight Financing Rate)

Bab E

Pengganti LIBOR USD untuk rate internasional

Federal Reserve Bank of New YorkNY Fed SOFR

Lihat Referensi

Menjadi benchmark USD global menggantikan LIBOR

✨SORA (Singapore Overnight Rate Average)

Bab E

Pengganti SIBOR untuk rate Singapore

Monetary Authority of SingaporeMAS SORA

Lihat Referensi

Benchmark rate Singapore menggantikan SIBOR