Pengaruh Risiko Kredit, Risiko Likuiditas Dan Risiko Operasional Terhadap Profitabilitas Perbankan Pada Bank Umum Di Asia Tenggara Periode 2012-2018

Sunaryo, Deni; Kurnia, Denny; Adiyanto, Yoga; Quraysin, Icin

doi:10.34010/jika.v11i1.3731

Cited by 3 publications

(6 citation statements)

References 0 publications

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…The results of this research are the same as the results of research carried out previously by (Sunaryo et al, 2021). LDR does not affect bank profits (ROA); this shows that an increase or decrease in commercial bank liquidity does not affect bank profits.…”

Section: The Effect Of Ldr On Roasupporting

confidence: 84%

“…This indicates that bank profitability is not sufficiently affected by non-performing loans. This result is in line with the results of previous research conducted by (Sunaryo et al, 2021), (Kidane 2020), (and Ristati et al, 2018; on the other hand, the results of this research are not the same as the results of research (Mardiansyah & Suryani, 2021), (Ansori & Safira, 2018), (Dewi & Srihandoko, 2018), (Anam, 2018) which states that there is a significant effect of credit risk (NPL) on profitability (ROA). This shows that with the increase in non-performing loans (NPL), the Bank's income and profits will decrease; thus, the ROA value will also decrease.…”

Section: Effect Of Npl On Roasupporting

confidence: 83%

See 1 more Smart Citation

Risk Management Implementation of Conventional Bank Profitability Using the Ceo's Power as a Moderator Variable During the Covid-19 Pandemic

Sasongko

Pulungan

2023

JWS

View full text Add to dashboard Cite

Introduction: This study aims to examine the effect of risk management implementation on profitability of conventional commercial banks with CEO tenure as moderator variable during the covid-19 pandemic. Method: This research is included in the hypothesis testing study. All banking companies listed on the Indonesia Stock Exchange (IDX) during the 2020-2021 period are the population in this research. The sampling method was carried out by purposive sampling. Result: F-count obtained the number 128.114 with a probability number of 0,000. This probability number is less than 0.05, so it can be said that the model is fit or appropriate and can be used to estimate profitability; in other words, it can be stated that NPL, NIM, LDR, BOPO, CEOTENURE *NPL, CEOTENURE*NIM, CEOTENURE*LDR, CEOTENURE*BOPO together -same effect simultaneously on profitability (ROA). Conclusion: NPL has a positive effect and its value is not significant to the ROA of conventional commercial banks. NIM has a positive influence and a significant value on the ROA of conventional commercial banks. LDR has a negative and insignificant effect on the ROA of conventional commercial banks. BOPO has a negative and significant impact on conventional commercial bank ROA. CEO Tenure cannot moderator the effect of NPL on the ROA of conventional commercial banks. CEO Tenure can moderator NIM's influence on conventional commercial banks' ROA. CEO Tenure cannot moderator LDR's effect on conventional commercial banks' ROA. CEO Tenure can moderator the influence of BOPO on the ROA of conventional commercial banks.

show abstract

Section: The Effect Of Ldr On Roasupporting

confidence: 84%

Section: Effect Of Npl On Roasupporting

confidence: 83%

Risk Management Implementation of Conventional Bank Profitability Using the Ceo's Power as a Moderator Variable During the Covid-19 Pandemic

Sasongko

Pulungan

2023

JWS

View full text Add to dashboard Cite

show abstract

“…Hal ini didukung oleh hasil studi (Ariwidanta, 2016;Herlina et al, 2016;Mosey et al, 2018;Patarowo et al, 2022) yang membuktikan bahwa risiko kredit memiliki pengaruh negatif signifikan terhadap kinerja keuangan perbankan. Tetapi terdapat hasil yang tidak konsisten dari hasil studi (Nugroho et al, 2019;Sante et al, 2021;Sunaryo et al, 2021) membuktikan bahwa risiko kredit tidak berpengaruh signifikan terhadap kinerja keuangan perbankan. Risiko kredit yang besar belum tentu berpengaruh pada kinerja perbankan.…”

Section: Pendahuluan Latar Belakangunclassified

“…Pada kualitas laba, risiko likuiditas digunakan untuk menunjukkan adanya permasalahan kinerja keuangan bank. Risiko likuiditas adalah risiko yang disebabkan oleh ketidakmampuan bank memenuhi kewajiban yang telah jatuh tempo (Sunaryo et al, 2021). Menurut (Gayatri et al, 2019) Nilai LDR dari tahun 2017 sampai 2019 cenderung mengalami peningkatan walaupun tidak banyak, pada tahun 2020 mengalami penurunan yang cukup sehingga secara keseluruhan tren nilai LDR dari tahun 2016 sampai 2020 mengalami penurunan.…”

Section: Pendahuluan Latar Belakangunclassified

Risiko Kredit Dan Kualitas Laba Sebagai Faktor Penentu Kinerja Keuangan Sektor Perbankan Di Bei

Ida,

Veronica

2023

JMIEB

View full text Add to dashboard Cite

Perlambatan kinerja sektor perbankan di tahun 2020 akibat pandemi COVID-19, namun pemulihan ekonomi yang kuat dan berkelanjutan membutuhkan dukungan sektor keuangan, terutama sektor perbankan. Faktor risiko kredit dan kualitas laba perlu dipertimbangkan dapat memengaruhi kinerja keuangan perbankan. Penelitian ini bertujuan untuk menguji pengaruh risiko kredit dan kualitas laba terhadap kinerja keuangan sektor perbankan di Bursa Efek Indonesia (BEI) selama periode 2016-2020. Hasil pengambilan sampel menggunakan metode purposive sampling terdapat 31 bank yang menjadi sampel dengan periode pengamatan 5 tahun sehingga terdapat 155 data observasi. Analisis data menggunakan regresi panel dengan bantuan EViews. Hasil penelitian dengan menggunakan model fixed effect diperoleh risiko kredit dan kualitas laba berpengaruh negatif terhadap kinerja keuangan sektor perbankan. pihak perbankan perlu mengevaluasi kembali kebijakan pemberian kredit yang didukung oleh kualitas kredit yang baik agar mengurangi risiko kredit sehingga dapat meningkatkan laba dan kinerja perbankan. Selain itu pihak perbankan perlu mengevaluasi kembali laba yang dapat menyebabkan kualitas laba perusahaan menurun. The banking sector's performance slowed down in 2020 due to the COVID-19 pandemic, but a strong and sustainable economic recovery requires support from the financial sector, especially the banking sector. Credit risk factors and earnings quality need to be considered to affect banking financial performance. This study aims to analyze the effect of credit risk and earnings quality on the financial performance of the banking sector on the Indonesia Stock Exchange (IDX) during the 2016-2020 period. The results of taking samples using the purposive sampling method were 31 banks that were sampled with an observation period of 5 years so there were 155 observational data. Data analysis using panel regression with the help of EViews. The results of research using the fixed effect model show that credit risk and earnings quality have a negative effect on the financial performance of the banking sector. banking parties need to re-evaluate credit policies that are supported by good credit quality in order to reduce credit risk so as to increase bank profits and performance. Besides that, banks need to re-evaluate profits which can cause the quality of company profits to decline.

show abstract

“…Menurut Sunaryo et al (2021) salah satu faktor yang mempengaruhi profitabilitas yaitu risiko kredit. Risiko kredit merupakan risiko yang akan diderita bank akibat dari tidak dilunasinya kredit yang telah diberikan bank kepada debitur.…”

unclassified

Pengaruh Risiko Kredit, Risiko Likuiditas, Dan Risiko Operasional Terhadap Profitabilitas Perbankan

Parulian,

Bebasari

2024

jesya

View full text Add to dashboard Cite

Penelitian ini bertujuan untuk menganalisis pengaruh Risiko Kredit, Risiko Likuiditas, dan Risiko Operasional terhadap Profitabilitas (Studi Pada Bank Konvensional Yang Terdaftar Di Bursa Efek Indonesia Periode 2018-2022). Variabel independen yang digunakan dalam penelitian ini adalah Risiko Kredit (NPL), Risiko Likuiditas (LDR), dan Risiko Operasional (BOPO), variabel dependen yang digunakan yaitu Profitabilitas (ROA). Penelitian ini menggunakan Bank Konvensional yang terdaftar di Bursa Efek Indonesia sebagai objek penelitian, dengan periode penelitian 2018-2022. Penelitian ini menggunakan Teknik purposive sampling yang bertujuan untuk mendapatkan sampel yang representative sesuai dengan kriteria yang sudah ditentukan, meliputi 25 bank yang memenuhi kriteria dari total 46 bank yang terdaftar di Bursa Efek Indonesia. Jumlah pengamatan yang digunakan dalam penelitian ini adalah selama 5 tahun, sehingga jumlah data observasi yang digunakan dalam penelitian ini sebanyak 125 data observasi. Metode analisis data pada penelitian ini menggunakan bantuan aplikasi EVIEWS 12. Metode analisis yang digunakan yaitu uji statistik deskriptif, analisis regresi data panel, uji chow, uji hausman, estimasi model regresi data panel, uji asumsi klasik (uji normalitas dan uji multikolinieritas), uji hipotesis (uji t), dan uji koefisien determinasi (uji adjusted R2). Berdasarkan hasil penelitian secara parsial Risiko Kredit (NPL) berpengaruh signifikan terhadap Profitabilitas (ROA), Risiko Likuiditas (LDR) tidak berpengaruh signifikan terhadap Profitabilitas (ROA), Risiko Operasional (BOPO) berpengaruh signifikan terhadap Profitabilitas (ROA).

show abstract

Pengaruh Risiko Kredit, Risiko Likuiditas Dan Risiko Operasional Terhadap Profitabilitas Perbankan Pada Bank Umum Di Asia Tenggara Periode 2012-2018

Cited by 3 publications

References 0 publications

Risk Management Implementation of Conventional Bank Profitability Using the Ceo's Power as a Moderator Variable During the Covid-19 Pandemic

Risk Management Implementation of Conventional Bank Profitability Using the Ceo's Power as a Moderator Variable During the Covid-19 Pandemic

Risiko Kredit Dan Kualitas Laba Sebagai Faktor Penentu Kinerja Keuangan Sektor Perbankan Di Bei

Pengaruh Risiko Kredit, Risiko Likuiditas, Dan Risiko Operasional Terhadap Profitabilitas Perbankan

Contact Info

Product

Resources

About