Pengaruh manajemen risiko kredit terhadap kredit bermasalah pada perbankan di indonesia

DETAIL KOLEKSI

Pengaruh manajemen risiko kredit terhadap kredit bermasalah pada perbankan di indonesia

Oleh : Rakha Fadhila

Info Katalog

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2025

Pembimbing 1 : Susi Muchtar

Subyek : Risk management - Credit

Kata Kunci : capital adequacy ratio, loan loss provision, loan and advance, loan to total asset ratio, bank size,

Status Posting : Published

Status : Lengkap

File Repositori

No.	Nama File	Hal.
1.	2025_SK_SMJ_022002002052_Halaman-Judul.pdf	10
2.	_SK_SMJ_022002002052_Surat-Pernyataan-Revisi-Terakhir.pdf	1
3.	2025_SK_SMJ_022002002052_Surat-Hasil-Similaritas.pdf	1
4.	_SK_SMJ_022002002052_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf	1
5.	_SK_SMJ_022002002052_Lembar-Pengesahan.pdf	4
6.	_SK_SMJ_022002002052_Pernyataan-Orisinalitas.pdf	1
7.	2025_SK_SMJ_022002002052_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf	1
8.	2025_SK_SMJ_022002002052_Bab-1.pdf	8
9.	2025_SK_SMJ_022002002052_Bab-2.pdf	17
10.	2025_SK_SMJ_022002002052_Bab-3.pdf	13
11.	2025_SK_SMJ_022002002052_Bab-4.pdf	13
12.	2025_SK_SMJ_022002002052_Bab-5.pdf	3
13.	2025_SK_SMJ_022002002052_Daftar-Pustaka.pdf	9
14.	2025_SK_SMJ_022002002052_Lampiran.pdf	22

Abstrak
Abstract

P Penelitian ini bertujuan untuk menguji pengaruh manajemen risiko kredit terhadap kredit bermasalah pada perbankan di indonesia. variabel independen manajemen risiko kredit yang diukur dengan variabel capital adequacy ratio, loan loss provision, loan and advances, loan to total asset ratio, dan variabel kontrol bank size. variabel dependen kredit bermasalah menggunakan pengukuran non-performing loans. data penelitian menggunakan data sekunder yang bersumber dari laporan tahunan perbankan yang tercatat di bursa efek indonesia (bei) dari 2019 â€“ 2023. jumlah sampel penelitian sebanyak 42 bank dengan total 210 data. analisis data yang digunakan untuk uji hipotesis yaitu analisis data panel dengan menggunakan software e-views 9. hasil penelitian yang diperoleh bahwa capital adequacy ratio berpengaruh negatif signifikan terhadap non-performing loans. loan loss provision, loan and advance, dan loan to total asset ratio berpengaruh positif signifikan terhadap non-performing loans. bank size tidak berpengaruh terhadap non-performing loans. studi ini diharapkan menjadi referensi bagi manajer perusahaan dalam mengelola risiko kredit, dan bagi investor sebagai panduan saat membuat keputusan investasi di sektor perbankan.

T This study aims to examine the effect of credit risk management on non-performing loans at banks in indonesia. the independent variable of credit risk management is measured by the capital adequacy ratio, loan loss provision, loan and advances, loan to total asset ratio, and the control variable bank size. the dependent variable of non-performing loans uses the measurement of non-performing loans. the research data uses secondary data sourced from the annual reports of banks listed on the indonesia stock exchange (idx) from 2019 - 2023. the number of research samples was 42 banks with a total of 210 data. the data analysis used to test the hypothesis is panel data analysis using e-views 9 software. the results showed that the capital adequacy ratio has a significant negative effect on non-performing loans. loan loss provision, loan and advance, and loan to total asset ratio have a significant positive effect on non-performing loans. bank size has no effect on non-performing loans. this study is expected to be a reference for company managers in managing credit risk, and for investors as a guide when making investment decisions in the banking sector.