pengaruh manajemen risiko kredit terhadap profitabilitas bank yang terdaftar di Bursa Efek Indonesia
P enelitian ini bertujuan untuk menguji pengaruh manajemen risiko kredit terhadap profitabilitas bank. Sampel yang digunakan dalam penelitian ini merupakan perusahaan perbankan konvensional yang terdaftar di Bursa Efek Indonesia selama periode 2014-2018. Variabel independen dalam penelitian ini meliputi nonperforming loans ratio, loan loss provision ratio, capital adequacy ratio, asset quality, management, earnings dan liquidity dan variabel dependen adalah profitabilitas bank. Sebanyak 36 perusahaan perbankan konvensional menjadi sampel dalam penelitian ini dengan menggunakan purposive sampling. Berdasarkan hasil regresi data panel menunjukkan bahwa nonperforming loans ratio, earnings, management dan liquidity memiliki pengaruh positif terhadap profitabilitas bank. Loan loss provision ratio dan asset quality memiliki pengaruh negatif terhadap profitabilitas bank. Capital adequacy ratio tidak memiliki pengaruh terhadap profitabilitas bank. Penelitian ini diharapkan dapat membantu perusahaan perbankan untuk meningkatkan profitabilitas perusahaan perbankan dan membantu investor dalam mengambil keputusan untuk berinvestasi pada perusahaan perbankan.
T he objective of the empirical study is to examine and analyse the impact of credit risk management on the bank profitability. The sample object used in this research are conventional banks listed on Indonesia Stock Exchange in the period 2014-2018. The independent variables are nonperforming loans ratio, loan loss provision ratio, capital adequacy ratio, asset quality, management, earnings and liquidity.The dependent variable is profitability of banking sector. The number of the samples in this research are 36 banking sector by using purposive sampling technique. Based on the results of panel data regression model indicates that nonperforming loans ratio, earnings, management and liquidity has a positive impact on bank profitability. Loan loss provision ratio and asset quality has negative impact on bank profitability. Capital adequacy ratio has insignificant impact on bank profitability. This research is expected to help banking companies to increase the profitability of banking companies and assist investors in making decisions to develop banking companies.