PENGARUH OPASITAS BANK TERHADAP TINGKAT PERTUMBUHAN KREDIT DI MODERASI OLEH VARIABEL KAPITALISASI BANK, WHOLESALE FUNDING, MACROECONOMY CONDITION, DAN KUALITAS KREDIT. Studi Empiris pada Bank Umum Konvensional yang terdaftar di BEI 2018-2022

Gamiyu Fatah, Abdoe (2024) PENGARUH OPASITAS BANK TERHADAP TINGKAT PERTUMBUHAN KREDIT DI MODERASI OLEH VARIABEL KAPITALISASI BANK, WHOLESALE FUNDING, MACROECONOMY CONDITION, DAN KUALITAS KREDIT. Studi Empiris pada Bank Umum Konvensional yang terdaftar di BEI 2018-2022. Other thesis, STIE Bank BPD Jateng.

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Abstract

This study aims to investigate the effect of bank opacity on loan growth rates by considering the role of bank capitalization variables, wholesale funding, macroeconomic conditions, and credit quality as moderating factors. The empirical study was conducted on Conventional Commercial Banks listed on the Indonesia Stock Exchange (IDX) during the period 2018-2022. The research method uses multiple regression analysis and moderation techniques by utilizing financial and macroeconomic data sourced from bank financial reports in Indonesia. The results of this analysis can provide insight into the impact of bank opacity on loan growth, while explaining the extent to which the variables of bank capitalization, wholesale funding, macroeconomic conditions, and credit quality moderate the relationship. The findings of this study are expected to contribute to the understanding of the factors that influence credit growth in the banking sector, particularly in the context of bank opacity. The practical implications of this study can help regulators, bank management, and other stakeholders to develop appropriate policies to improve the stability and growth of the banking sector. Keywords: bank opacity, loan growth, bank capitalization, wholesale funding, macroeconomic conditions, credit quality

Item Type:	Thesis (Other)
Additional Information:	Penelitian ini bertujuan untuk menginvestigasi pengaruh opasitas bank terhadap tingkat pertumbuhan kredit dengan mempertimbangkan peran variabel kapitalisasi bank, wholesale funding, kondisi makroekonomi, dan kualitas kredit sebagai faktor moderasi. Studi empiris dilakukan pada Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2018-2022. Metode penelitian menggunakan analisis regresi berganda dan teknik moderasi dengan memanfaatkan data keuangan dan ekonomi makro yang bersumber dari laporan keuangan bank di Indonesia. Hasil analisis ini dapat memberikan wawasan tentang dampak opasitas bank terhadap pertumbuhan kredit, sekaligus menjelaskan sejauh mana variabel kapitalisasi bank, wholesale funding, kondisi makroekonomi, dan kualitas kredit memoderasi hubungan. Temuan dari penelitian ini diharapkan dapat memberikan kontribusi dalam pemahaman tentang faktor-faktor yang memengaruhi pertumbuhan kredit di sektor perbankan, khususnya dalam konteks opasitas bank. Implikasi praktis dari penelitian ini dapat membantu pihak regulator, manajemen bank, dan pemangku kepentingan lainnya untuk mengembangkan kebijakan yang tepat guna meningkatkan stabilitas dan pertumbuhan sektor perbankan. Kata kunci: opasitas bank, pertumbuhan kredit, kapitalisasi bank, wholesale funding, kondisi makroekonomi, kualitas kredit.
Uncontrolled Keywords:	bank opacity, loan growth, bank capitalization, wholesale funding, macroeconomic conditions, credit quality
Subjects:	H Social Sciences > HB Economic Theory H Social Sciences > HG Finance
Divisions:	Faculty of Law, Arts and Social Sciences > School of Management
Depositing User:	Wisudawan S2
Date Deposited:	20 Mar 2024 01:57
Last Modified:	20 Mar 2024 01:57
URI:	http://eprints.stiebankbpdjateng.ac.id/id/eprint/1924

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