Faktor-faktor yang mempengaruhi profitabilitas bank konvensional yang terdaftar di Bursa Efek Indonesia

DETAIL KOLEKSI

Faktor-faktor yang mempengaruhi profitabilitas bank konvensional yang terdaftar di Bursa Efek Indonesia

Oleh : Rr Yuliana Rahmawati

Info Katalog

Nomor Panggil : 022001901211

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2023

Pembimbing 1 : Hartini

Subyek : Profitability;Financial management;Banks and banking

Kata Kunci : non performing loans, loan loss provision, capital adequacy ratio, loan to total deposit ratio, and

Status Posting : Published

Status : Lengkap

File Repositori

No.	Nama File	Hal.
1.	2023_TA_SMJ_022001901211_Halaman-Judul.pdf	9
2.	2023_TA_SMJ_022001901211_Lembar-Pengesahan.pdf	5
3.	2023_TA_SMJ_022001901211_Bab-1_Pendahuluan.pdf	13
4.	2023_TA_SMJ_022001901211_Bab-2_Landasan-Teori.pdf	18
5.	2023_TA_SMJ_022001901211_Bab-3_Metodologi-Penelitian.pdf	13
6.	2023_TA_SMJ_022001901211_Bab-4_Analisis-dan-pembahasan.pdf	10
7.	2023_TA_SMJ_022001901211_Bab-5_Kesimpulan.pdf	4
8.	2023_TA_SMJ_022001901211_Daftar-Pustaka.pdf	6
9.	2023_TA_SMJ_022001901211_Lampiran.pdf	37

Abstrak
Abstract

S ampel yang digunakan sebanyak 37 bank konvensional yang terdaftar di Bursa Efek Indonesia periode tahun 2017-2021. Teknik pengambilan sampel yang digunakan yaitu purposive sampling dan metode analisis yang digunakan yaitu regresi data panel. Variabel independen dalam penelitian ini terdiri kredit bermasalah, cadangan kerugian penurunan nilai, rasio kecukupan modal, rasio pinjaman terhadap total simpanan, dan ukuran bank sedangkan variabel dependennya adalah profitabilitas. Hasil penelitian menunjukkan bahwa ukuran resiko kredit, cadangan kerugian penurunan nilai memiliki pengaruh negatif signifikan terhadap risiko likuiditas. Sedangkan ukuran bank memilki pengaruh positif dan signifikan terhadap profitabilitas. Temuan penelitian ini diharapkan dapat menjadi acuan bagi manajer perbankan konvensional agar dapat mempertimbangkan faktor â€“ faktor yang dapat mempengaruhi risiko likuiditas profitabilitas bank. Diharapkan dengan resiko kredit yang menurun dapat meningkatkan profitabilitas bank. Bank juga diharapkan memilki cadangan kerugian penurunan nilai yang tinggi menandakan tingkatan kualitas kredit yang rendah yang menyebabkan tingginya tingkat gagal bayar atau kredit macet yang terjadi, sehingga akan menyebabkan penurunan terhadap profitabilitas.

T his study aims to analyze the factors that influence the profitability of conventional banks listed on the Indonesia Stock Exchange. The samples used were 37 conventional banks listed on the Indonesia Stock Exchange for the 2017-2021 period. The sampling technique used was purposive sampling and the analytical method used was panel data regression. The independent variables in this non performing loans, loan loss provision, capital adequacy ratio, loan to total deposit ratio, and bank size while the dependent variable is profitability. The results of this study indicate that a measure of credit risk, allowance for impairment losses has a significant negative effect on liquidity risk. Meanwhile, bank size has a positive and significant effect on profitability. The findings of this study are expected to be a reference for conventional banking managers in order to consider the factors that may affect the liquidity risk of a bank's profitability. It is hoped that the reduced credit risk can increase bank profitability. Banks are also expected to have high allowance for impairment losses indicating a low level of credit quality which causes high levels of default or bad credit to occur, which will lead to a decrease in profitability.