Pengaruh kinerja dan efisiensi terhadap stabilitas bank konvensional di Indonesia

DETAIL KOLEKSI

Pengaruh kinerja dan efisiensi terhadap stabilitas bank konvensional di Indonesia

3.7

Oleh : Dwinta Firda Purnama

Info Katalog

Nomor Panggil : 022002108022

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2024

Pembimbing 1 : Farah Margaretha

Subyek : Banks and Banking - Management;Financial statements

Kata Kunci : bank efficiency, bank performance, bank stability, credit risk, leverage iratio, net interest margin

Status Posting : Published

Status : Lengkap

File Repositori

No.	Nama File	Hal.
1.	2024_TA_SMJ_022002108022_Halaman-Judul.pdf	9
2.	2024_TA_SMJ_022002108022_Lembar-Pengesahan.pdf	6
3.	2024_TA_SMJ_022002108022_Bab-1_Pendahuluan.pdf	22
4.	2024_TA_SMJ_022002108022_Bab-2_Tinjauan-Pustaka.pdf	14
5.	2024_TA_SMJ_022002108022_Bab-3_Metodologi-Penelitian.pdf	11
6.	2024_TA_SMJ_022002108022_Bab-4_Analisis-dan-Pembahasan.pdf	10
7.	2024_TA_SMJ_022002108022_Bab-5_Simpulan-dan-Saran.pdf	3
8.	2024_TA_SMJ_022002108022_Daftar-Pustaka.pdf	4
9.	2024_TA_SMJ_022002108022_Lampiran.pdf	62

Abstrak
Abstract

P enelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kinerja dan efektivitas terhadap stabilitas bank. Sampel yang digunakan dalam penelitian ini adalah 42 bank konvensional di Indonesia 2017-2021. Teknik pengambilan sampel yang digunakan adalah purposive sampling dan metode analisis yang digunakan dalam penelitian ini adalah regresi data panel. Variabel independen dalam penelitian ini terdiri dari margin bunga bersih, pengembalian aset, pendapatan non bunga, dan efisiensi operasional, sedangkan variabel dependennya adalah Z-score, dan dengan variabel kontrol rasio utang, rasio utang jangka panjang, dan risiko kredit. Hasil regresi data panel dalam penelitian ini menunjukkan bahwa efisiensi operasional berpengaruh negatif terhadap stabilitas bank. Rasio utang berpengaruh negatif terhadap stabilitas bank. Risiko kredit berpengaruh negatif terhadap stabilitas bank. Hasil penelitian ini diharapkan dapat menjadi acuan bagi perbankan untuk menjaga stabilitas bank dan investor yang akan berinvestasi dengan memperhatikan kondisi efisiensi operasional, rasio hutang dan risiko kredit bank.

T his research aims to know and analyze the influence of bank performance and efficiency on bank stability. The sample used in this study were 42 conventional banks in Indonesia during 2017-2021. The sampling technique used was purposive sampling and the analytical method used in this study was a panel data regression. The independent variables in this study consist of net interest margin, return on assets, non-interest income, and operating efficiency, while the dependent variables is Z-score, and the control variables are leverage ratio, long-term debt ratio, and credit risk. The result of panel data regression in this study indicates operating efficiency has a significant negative effect on the bank stability. Leverage has a significant negative effect on the bank stability. Credit risk has a significant negative effect on the bank stability. The results of this research are expected to be a reference for conventional banking management for keeping the bank stable and investors for investment decisions by giving attention to the condition of operating efficiency, leverage ratio and credit risk of the conventional banks.