Pengaruh Penerapan Manajemen Risiko Terhadap Kinerja Keuangan Industri Perbankan

Abstract

<p><em><span style="font-family: Times New Roman; font-size: medium;">The role of the large banking industry in the Indonesian economy affects banking governance, where prudence is strongly emphasized. Such caution is a reflection of the attitude of responsibility towards the trust given by the community. To address the risks involved in banking operations, risk management is a much-needed solution, which is used to identify, measure, monitor, and control risks arising from bank operations. This study takes independent variables in which NIM as a proxy of interest rate risk, NPL as proxy of credit risk, CAR as solvency & capital risk proxy, and LDR as a liquidity risk proxy. Dependent variable used in this research is financial performance of banking by using profitability ratio that is ROE. The sample of research selected by purposive sampling method get 12 companies that report 3 period of annual report that is year 2013, 2014, and 2015. Analyze technique which is done is by using multiple regression, and the analysis tool is SPSS version 21. The result show that NIM and CAR has significant influence on profitability, while NPL and LDR have insignificant influence.</span></em></p><p><span style="font-size: medium;"><span style="font-family: Times New Roman;"><strong><em>Keywords</em></strong><em>: risk management, bank performance indicator</em></span></span></p>

Financial Technology in Indonesia: Effect of Risk on Financial Performance in Peer-To-Peer Lending

“…The findings in this study regarding the effect of CAR on profitability (ROA) are consistent with the findings made by Efriyenty (2020); Khalifaturofi'ah (2021); Pratiwi, and Kurniawan (2018). This study found that solvency risk proxied by the Capital Adequacy Ratio (CAR) has a positive and significant effect on financial performance as proxied using Return on Equity (ROE).…”

“…Other research by Efriyenty (2020); Khalifaturofi'ah (2021); Pratiwi and Kurniawan (2018) found that solvency risk proxied by the Capital Adequacy Ratio (CAR) has a positive and significant effect on financial performance as proxied using Return on Assets (ROA). However, these findings contradict the findings of Sriyana (2015), who found that solvency risk proxied by the Capital Adequacy Ratio (CAR) had a negative and significant effect on financial performance as proxied using Return on Assets (ROA).…”

Identifikasi dan Manajemen Risiko Untuk Mereduksi Kerentanan Pada PT. Bank Negara Indonesia (Persero) Tbk

“…Beberapa aplikasi manajemen risiko yang digunakan untuk mendukung pelaksanaan proses manajemen risiko yang tepat waktu dan akurat antara lain sistem manajemen risiko kredit (CRMS), sistem pemeringkatan internal, sistem penilaian, perangkat risiko operasional (PERISKOP) dan aplikasi manajemen risiko pasar. Untuk terus beradaptasi dengan era digital yang semakin meningkat, BNI telah menyiapkan solusi manajemen risiko yang selaras dengan rencana strategis TI, antara lain: Menurut (Pratiwi & Kurniawan, 2018) bank yang berperan sangat penting dalam sistem keuangan mengusulkan beberapa peran penting bank, yaitu transfer aset, transaksi, likuiditas, efisiensi. Oleh karena itu, dalam hal ini, pemerintah juga telah mengambil beberapa langkah strategis untuk menghadapi era perdagangan bebas, dengan memutuskan untuk menggabungkan beberapa bank milik negara seperti Bank Bumi Daya, Bank Dagang Negara, Bank Ekspor dan Bank Pembangunan Indonesia ke dalam Bank Mandiri, Serta Bank Rakyat Indonesia dan Bank Tabungan Negara dan Bank Negara Indonesia 1946 masih beroperasi sampai sekarang.…”

Risk Management and Earnings Management on Financial Performance in Islamic Banking: An Empirical Study of Indonesia

“…If it is related to the issue of Risk Management, Internal Control, and Corporate Governance, then agency theory is more relevaTor to overcominge agency problems, it is deemed necessary to create a control design strategy to ensure the achievement of organizational goals that provides maximum results for agents and principals. This strategy uses tools designed in the form of Risk Management processes, Internal Control, Corporate Governance, and, the establishment of the Internal Audit function, taking into account costs and benefits (Pratiwi & Kurniawan, 2018).…”