Pengaruh credit risk terhadap profitabilitas bank yang terdaftar di bursa efek indonesia

DETAIL KOLEKSI

Pengaruh credit risk terhadap profitabilitas bank yang terdaftar di bursa efek indonesia

Oleh : Anastasia Arum Gerda Prilia

Info Katalog

Nomor Panggil : 022002001077

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2024

Pembimbing 1 : Henny Setyo Lestari

Subyek : Financial management

Kata Kunci : capital adequacy ratio, cost per loan ratio, loan loss provision, non performing loan ratio, net int

Status Posting : Published

Status : Lengkap

File Repositori

No.	Nama File	Hal.
1.	2024_TA_SMJ_022002001077_Halaman-Judul.pdf	10
2.	2024_TA_SMJ_022002001077_Lembar-Pengesahan.pdf	6
3.	2024_TA_SMJ_022002001077_Bab-1-Pendahuluan.pdf	11
4.	2024_TA_SMJ_022002001077_Bab-2-Landasan-Teori.pdf	20
5.	2024_TA_SMJ_022002001077_Bab-3-Metodologi-Penelitian.pdf	10
6.	2024_TA_SMJ_022002001077_Bab-4-Analisis-dan-Pembahasan.pdf	20
7.	2024_TA_SMJ_022002001077_Bab-5-Kesimpulan.pdf	5
8.	2024_TA_SMJ_022002001077_Daftar-Pustaka.pdf	7
9.	2024_TA_SMJ_022002001077_Lampiran.pdf	38

Abstrak
Abstract

P Penelitian ini bertujuan untuk menganalisis pengaruh risiko kredit terhadap kinerja keuangan perbankan. Rasio risiko kredit diukur menggunakan rasio non â€“ performance loan ratio (NPLR), capital adequacy ratio (CAR), loan loss provision ratio (LLPR) dan cost per loan ratio (CPLR) serta kinerja keuangan yang diukur dengan ROA ROE, dan NIM dengan variabel kontrol leverage, size dan deposit ratio. Sampel yang digunakan adalah 35 bank konvensional yang terdaftar di Bursa Efek Indonesia periode 2018-2022. Teknik pengambilan sampel yang digunakan yaitu purposive sampling dan metode analisis yang digunakan yaitu regresi data panel dengan menggunakan software eviews. Hasil penelitian menunjukkan bahwa NPL dan CPLR berpengaruh negatif signifikan terhadap ROA, ROE, dan NIM serta deposit ratio berdampak positif terhadap ROA, ROE, dan NIM. Hasil yang diharapkan dapat memberikan implikasi bagi manager bank mempertahankan dan meningkatkan capital adequacy ratio dan bank size serta meminimalkan non performing loan dan mengurangi penggunaan cost per loan ratio agar profitabilitas meningkat. Investor sebaiknya memilih bank dengan capital adequacy ratio dan deposito ratio yang besar karena menandakan bank tersebut memilki profitabiltas yang baik.

T This study aims to analyze the impact of credit risk on the financial performance of banks. Credit risk ratios are measured using non-performance loan ratio (NPLR), capital adequacy ratio (CAR), loan loss provision ratio (LLPR), and cost per loan ratio (CPLR), while financial performance is measured by ROA, ROE, and NIM with control variables of leverage, size, and deposit ratio. The sample consists of 35 conventional banks listed on the Indonesia Stock Exchange for the period 2018-2022. The sampling technique used is purposive sampling, and the analysis method employed is panel data regression using EViews software. The research findings indicate that NPL and CPLR have a significant negative impact on ROA, ROE, and NIM, while deposit ratio has a positive effect on ROA, ROE, and NIM. The expected results are expected to provide implications for bank managers to maintain and improve capital adequacy ratios and bank size, as well as minimize non-performing loans and reduce the use of the cost per loan ratio to enhance profitability. Investors are advised to choose banks with large capital adequacy ratios and deposit ratios because it signifies that the bank has good profitability.