DETAIL KOLEKSI

Pengaruh bank spread, efficiency, dan leverage terhadap risiko kredit pada sektor perbankan yang terdaftar di Bursa Efek Indonesia


Oleh : Wahyu Angzelina Simanjuntak

Info Katalog

Nomor Panggil : 022002001120

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2024

Pembimbing 1 : Bachtiar Usman

Subyek : Banks and Banking - Management;Financial statements

Kata Kunci : Bank Size, bank spread, capital adequacy ratio, efficiency, leverage, liquidity, non performing loan

Status Posting : Published

Status : Lengkap


File Repositori
No. Nama File Hal. Link
1. 2024_TA_SMJ_022002001120_Halaman-Judul.pdf 10
2. 2024_TA_SMJ_022002001120_Lembar-Pengesahan.pdf 5
3. 2024_TA_SMJ_022002001120_Bab-1-Pendahuluan.pdf 8
4. 2024_TA_SMJ_022002001120_Bab-2-Landasan-Teori.pdf 31
5. 2024_TA_SMJ_022002001120_Bab-3-Metodologi-Penelitian.pdf 14
6. 2024_TA_SMJ_022002001120_Bab-4-Analisis-dan-Pembahasan.pdf 15
7. 2024_TA_SMJ_022002001120_Bab-5-Simpulan.pdf 5
8. 2024_TA_SMJ_022002001120_Daftar-Pustaka.pdf 7
9. 2024_TA_SMJ_022002001120_Lampiran.pdf 40

P enelitian ini dilakukan untuk menganalisis pengaruh bank spread, efficiency, danleverage terhadap risiko kredit bank yang terdaftar di Bursa Efek Indonesia. Sampel yangdigunakan adalah perusahaan perbankan konvensional yang terdaftar di Bursa EfekIndonesia pada periode penelitian 2018 – 2022. Jenis variabel pada penelitian inimenggunakan tiga jenis variabel yaitu, variabel independen yang digunakan adalah bankspread, efficiency, dan leverage. Variabel dependen yang digunakan adalah Bank Riskyang diukur menggunakan Non Performing Loan. Variabel kontrol yang digunakan terdiridari Liquidity, Return On Asset, Capital Adequacy Ratio dan Bank Size. Jumlah sampelyang digunakan dalam penelitian ini adalah sebanyak 36 sampel perusahaan perbankankonvensional. Hasil penelitian menunjukkan bahwa Leverage berpengaruh signifikanpositif terhadap Non Performing Loan, berpengaruh negatif signifikan terhadap NonPerforming Loan, dan Bank Size berpengaruh negatif signifikan terhadap Non PerformingLoan. Hasil penelitian diharapkan memberikan implikasi bagi manajer bank dalammeminimalisasi faktor – faktor yang dapat memjadi penunjang meningkatnya risikokredit.

T his research was conducted to analyze the influence of bank spreads, efficiency andleverage on the credit risk of banks listed on the Indonesia Stock Exchange. The sampleused is a conventional banking company listed on the Indonesia Stock Exchange in theresearch period 2018 - 2022. The types of variables in this research use three types ofvariables, namely, the independent variables used are bank spread, efficiency andleverage. The dependent variable used is Bank Risk which is measured using Non-Performing Loans. The control variables used consist of Liquidity, Return On Assets,Capital Adequacy Ratio and Bank Size. The number of samples used in this research was36 samples of conventional banking companies. The research results show that Leveragehas a significant positive effect on Non-Performing Loans, a significant negative effect onNon-Performing Loans, and Bank Size has a significant negative effect on Non-Performing Loans. The research results are expected to have an impact on bank managersin minimizing factors that can encourage increased credit risk.

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