Maulana, Rafli Azami (2023) ANALISIS TINGKAT RISIKO TERHADAP KINERJA KEUANGAN BANK (Studi pada Bank Pembangunan Daerah di Indonesia tahun 2020-2022). Other thesis, STIE Bank BPD Jateng.
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Abstract
The banking industry is a financial sector that has an important role in a country's economy. Banking performance, especially profitability, is needed to assess changes in potential controlled economic resources in the future by implementing various management systems that act as important instruments in measuring a bank's financial performance. the company realizes that there must be a truly quality system in order to achieve maximum profitability, one of which is by implementing risk management. This research was conducted to analyze the level of risk in influencing the financial performance of banks with the object of research being Regional Development Banks in Indonesia for the 2020-2022 period. In this study using a quantitative approach to data collection techniques using secondary data. The scale of data measurement with a ratio scale. The results of this study indicate that Non Performing Loans (NPL) have a negative and significant effect on Return on Assets (ROA), Net Interest Margin (NIM) has a positive and significant effect on Return on Assets (ROA) and Loans to Deposit Ratio (LDR). positive and insignificant effect on Return on Assets (ROA).
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | Industri perbankan merupakan sektor keuangan yang memiliki peranan penting dalam perekonomian suatu negara. kinerja perbankan terutama profitabilitas diperlukan untuk menilai perubahan potensi sumber daya ekonomi yang dikendalikan di masa depan dengan mengimplementasikan berbagai sistem manajmen yang berperan sebagai instrumen penting dalam mengukur kinerja keuangan bank. perusahaan menyadari harus ada sistem yang benar- benar bermutu agar mencapai profitabilitas maksimal, salah satunya adalah dengan menerapkan manajemen risiko. Penelitian ini dilakukan untuk menganalisa tingkat risiko dalam mempengaruhi kinerja keuangan bank dengan objek penelitian pada Bank Pembangunan Daerah di Indonesia periode tahun 2020-2022. Dalam penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengumpulan data menggunakan data skunder. Skala pengukuran data dengan skala rasio. Hasil penelitian ini menunjukan bahwa Non Performing Loan (NPL) memiliki pengaruh negatif dan signifikan terhadap Return on Asstes (ROA), Net Interest Margin (NIM) memiliki pengaruh positif dan signifikan terhadap Return on Assets (ROA) dan Loans to Deposit Ratio (LDR) berpengaruh positif dan tidak signifikan Return on Assets (ROA). |
| Uncontrolled Keywords: | kinerja keuangan, risiko kredit, risiko pasar, risiko likuiditas |
| Subjects: | H Social Sciences > H Social Sciences (General) H Social Sciences > HA Statistics H Social Sciences > HD Industries. Land use. Labor H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 06 Sep 2023 06:32 |
| Last Modified: | 06 Sep 2023 06:32 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/1491 |
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