Pengaruh Risiko Kredit, Risiko Operasional, Dan Risiko Likuiditas Terhadap Profitabilitas LPD Di Kecamatan Bebandem

Juliantara, I Kadek Juliantara; Darmayanti, Ni Putu Ayu

doi:10.24843/ejmunud.2022.v11.i07.p03

Cited by 4 publications

(4 citation statements)

References 16 publications

(23 reference statements)

Supporting

Mentioning

Contrasting

Unclassified

Order By: Relevance

“…ROA yang merupakan perbandingan laba sebelum pajak terhadap total aset. Semakin besar ROA maka semakin besar profitabilitas yang berarti kinerja perusahaan semakin baik (Capriani & Dana, 2016). Beberapa faktor yang dapat mempengaruhi profitabilitas perusahaan dapat berasal dari internal dan eksternal perusahaan.…”

Section: Gambar 1 Jumlah Penyelenggara Dan Akumulasi Jumlah Pinjaman ...unclassified

Untitled

Devionita,

Darmayanti

2024

EJMUNUD

View full text Add to dashboard Cite

Fintech lending providers in Indonesia in the last five years have continued to experience a decline. The profitability ratio as seen from the value of return on assets and return on equity has fluctuated, which indicates financial problems in fintech lending providers. This study aims to determine financial performance as measured through profitability which is influenced by capital, operational risk, and the interest rate (BI Rate). The research was conducted at 17 fintech lending companies registered and licensed at the Financial Services Authority (OJK) in 2019-2021. This study uses multiple linear regression analysis. Based on the results of the analysis, the capital ratio has a positive and significant effect on profitability, while the ratio of operational risk and interest rates has a negative and significant effect on profitability. The implications of this research can be input to fintech lending companies to pay more attention to aspects of capital, operational risk, and interest rates to increase profitability. Keywords: BI Rate; capital; fintech lending; operational risk; profitability.

show abstract

Section: Gambar 1 Jumlah Penyelenggara Dan Akumulasi Jumlah Pinjaman ...unclassified

Untitled

Devionita,

Darmayanti

2024

EJMUNUD

View full text Add to dashboard Cite

show abstract

“…Previous research was conducted Byfield [8], [9], (RA Sari, 2017), (NA Ramadan, 2018), [12], [13], [14] and field [15] proves that risk management proxied by liquidity risk affects financial performance. Meanwhile, in the research conducted Byfield [5], [16], [17], [18], [19], [20], (NA Ramadan, 2018) and field [9] shows that liquidity risk has no significant effect on financial performance.…”

Section: Introductionmentioning

confidence: 99%

The Role of Self Assessment as Moderating Variable in the Effect of Risk Management and Leverage on Financial Performance

Widiasmara,

Paramitha Devi,

Violita

2024

KSS

View full text Add to dashboard Cite

The impact of the COVID-19 pandemic caused significant problems in the banking industry’s profit and loss report which showed a decline of 18.565 billion which occurred in 2020. At the beginning of 2019, the profit and loss statement of banking companies was 34.478 billion but now at the end of 2020, the profit and loss statement of banking companies is 15.913 billion (Indonesian Banking Statistics - July 2021, 2021). The purpose of this study was to determine the role of self-assessment as a moderating variable in the influence of risk management and leverage on financial performance. This research was conducted in banking companies listed on the Indonesia Stock Exchange for the 2016-2020 period. The sampling technique in this study used purposive sampling. The research method used is a quantitative approach using multiple regression analysis and moderate regression analysis (MRA) using the SPSS version 25 program. The results of this study are credit risk (NPL), leverage (DER), and hurt financial performance (ROA); liquidity risk (LDR) does not affect financial performance (ROA), self-assessment can moderate the influence of credit risk (NPL), liquidity risk (LDR) and leverage (DER) on financial performance (ROA). The researcher hopes that this research can provide implications and support for the development of accounting science, especially in the field of financial accounting related to risk management and leverage. Keywords: credit risk (NPL), liquidity risk (LDR), leverage (DER), financial performance (ROA)

show abstract

“…According to Bank Indonesia, the profitability of a bank is greater than its assets because most of the bank's funds come from third party deposits, so that the Return on Assets (ROA) is considered more representative to measure the level of bank profitability (Dendawijaya, 2009: 119). The higher the ROA, the higher the profitability or profits obtained, which means the better the company's performance (Capriani and Dana, 2016). Therefore, the Return on Assets (ROA) variable was chosen as the Dependent Variable in the research.…”

Section: Introductionmentioning

confidence: 99%

Analysis the Effect of Oer, Nim, Npl, Car, and LDR Toward Roa at Pt Regional Development Banks in Indonesia for the Period 2016-2021

Hidayanti,

Winarni,

Wahyuni

2023

dakp

View full text Add to dashboard Cite

The purpose of this research is to identify and analyze the effect of OER, NIM, NPL, CAR, and LDR toward ROA at PT Regional Development Banks in Indonesia for the period 2016-2021. The population in this research is PT Regional Development Bank in Indonesia. The sampling technique used is purposive sampling technique and gained 25 Banks. Secondary data is sourced from Financial Reports published by every Regional Development Bank in Indonesia during the 2016-2021 period and the official website of the Financial Services Authority. Method of data analysis in this research is multiple linear regression analysis. The analysis technique uses the F test, t test, and the determination coefficient test (R2). The results of this research indicate that OER, NIM, NPL, CAR, and LDR simultaneously have a significant effect on ROA. Based on the results of the t test, it can be concluded that OER and NPL have a significant effect and have a negative coefficient direction on ROA, NIM and LDR have a significant effect and have a positive coefficient direction on ROA. Meanwhile, CAR has no significant effect and has a negative coefficient on ROA. The results of multiple linear regression analysis obtained the Adjusted R2 value of 0.945, this indicates that the independent variable contributes 94.5% influence on the dependent variable while the remaining 5.5% is influenced by other variables not examined in this research.

show abstract

Pengaruh Risiko Kredit, Risiko Operasional, Dan Risiko Likuiditas Terhadap Profitabilitas LPD Di Kecamatan Bebandem

Cited by 4 publications

References 16 publications

Untitled

Untitled

The Role of Self Assessment as Moderating Variable in the Effect of Risk Management and Leverage on Financial Performance

Analysis the Effect of Oer, Nim, Npl, Car, and LDR Toward Roa at Pt Regional Development Banks in Indonesia for the Period 2016-2021

Contact Info

Product

Resources

About