Saputri, Ary Dewi (2025) PENGARUH OPASITAS BANK, RISIKO KREDIT, DAN RASIO SIMPANAN TERHADAP PERTUMBUHAN KREDIT BANK DENGAN WHOLESALE FUNDING SEBAGAI VARIABEL MODERASI (Studi Empiris Pada Bank Umum Konvensional yang Terdaftar di BEI Tahun 2019-2024). Thesis thesis, Universitas BPD.
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Abstract
This study aims to analyze the influence of bank opacity, credit risk, and the deposit ratio on bank credit growth, with wholesale funding as a moderating variable, in conventional commercial banks listed on the Indonesia Stock Exchange (IDX) for the 2019–2024 period. The background of the study is based on fluctuations in Indonesian banking credit growth, which are influenced by information transparency, risk management, funding structure, and financial market dynamics. The research method uses a quantitative approach with secondary data obtained from annual financial reports, publications from the Financial Services Authority (OJK), Bank Indonesia (BI), and the IDX. The study sample consisted of 14 conventional commercial banks with a total of 84 observations. Data analysis was performed using multiple regression using Moderated Regression Analysis (MRA) using SPSS version 27. The results showed that: (1) bank opacity had a significant negative effect on credit growth, (2) credit risk had a significant negative effect on credit growth, (3) the deposit ratio had a significant positive effect on credit growth, (4) wholesale funding strengthened the negative effect of bank opacity on credit growth, (5) wholesale funding strengthened the negative effect of credit risk on credit growth, and (6) wholesale funding strengthened the positive effect of the deposit ratio on credit growth. The adjusted R² value of 0.749 indicates that 74.9% of the variation in credit growth can be explained by this research model. The implications of this study emphasize the importance of information transparency, sound credit risk management, and effective fundraising strategies in supporting bank credit growth. Wholesale funding has been shown to play a significant role as a factor strengthening the interaction between bank internal variables and credit distribution capacity, thus requiring bank management to balance the use of retail and non-retail funding to maintain stability and sustainable growth. Keywords: Bank Opacity, Credit Risk, Deposit Ratio, Credit Growth, Wholesale Funding
| Item Type: | Thesis (Thesis) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh opasitas bank, risiko kredit, dan rasio simpanan terhadap pertumbuhan kredit bank dengan wholesale funding sebagai variabel moderasi pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019–2024. Latar belakang penelitian didasari oleh fluktuasi pertumbuhan kredit perbankan Indonesia yang dipengaruhi oleh transparansi informasi, manajemen risiko, struktur pendanaan, serta dinamika pasar keuangan. Metode penelitian menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan, publikasi Otoritas Jasa Keuangan (OJK), Bank Indonesia (BI), dan BEI. Sampel penelitian terdiri dari 14 bank umum konvensional dengan total 84 observasi. Analisis data dilakukan dengan regresi berganda melalui Moderated Regression Analysis (MRA) menggunakan SPSS versi 27. Hasil penelitian menunjukkan bahwa: (1) opasitas bank berpengaruh negatif signifikan terhadap pertumbuhan kredit, (2) risiko kredit berpengaruh negatif signifikan terhadap pertumbuhan kredit, (3) rasio simpanan berpengaruh positif signifikan terhadap pertumbuhan kredit, (4) wholesale funding memperkuat pengaruh negatif opasitas bank terhadap pertumbuhan kredit, (5) wholesale funding memperkuat pengaruh negatif risiko kredit terhadap pertumbuhan kredit, dan (6) wholesale funding memperkuat pengaruh positif rasio simpanan terhadap pertumbuhan kredit. Nilai adjusted R² sebesar 0,749 mengindikasikan bahwa 74,9% variasi pertumbuhan kredit dapat dijelaskan oleh model penelitian ini. Implikasi dari penelitian ini menegaskan pentingnya transparansi informasi, pengelolaan risiko kredit yang sehat, dan strategi penghimpunan dana yang efektif dalam mendukung pertumbuhan kredit perbankan. Wholesale funding terbukti berperan signifikan sebagai faktor yang memperkuat interaksi antara variabel internal bank dan kapasitas penyaluran kredit, sehingga manajemen bank perlu menyeimbangkan penggunaan pendanaan ritel dan non-ritel untuk menjaga stabilitas serta pertumbuhan berkelanjutan. |
| Uncontrolled Keywords: | Opasitas Bank, Risiko Kredit, Rasio Simpanan, Pertumbuhan Kredit, Wholesale Funding. |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HA Statistics H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HD Industries. Land use. Labor H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S2 |
| Date Deposited: | 18 Oct 2025 10:23 |
| Last Modified: | 18 Oct 2025 10:23 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2891 |
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