Wibowo, Nur Aquila (2024) PENGARUH RISIKO KREDIT (NPL), RISIKO LIKUIDITAS (LDR), RISIKO OPERASIONAL (BOPO), DAN RISIKO PERMODALAN (CAR) TERHADAP PROFITABILITAS (ROA) (STUDI KASUS PADA BANK UMUM KONVESIONAL PERIODE 2020-2022). Other thesis, STIE Bank BPD Jateng.
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Abstract
This research aims to determine the influence of credit risk, liquidity risk, operational risk and capital risk on profitability in conventional commercial banks. This research uses secondary data in the form of conventional bank annual reports. The population in this study consists of several conventional banks registered with the Financial Services Authority (OJK) in 2020- 2022. The sample collection technique used purposive sampling to obtain 55 banks x 3 years. The data analysis method in this research is multiple linear regression analysis using the Statistical Program for Social Science (SPSS) software version 25. Based on the research results, it shows that credit risk and operational risk have a negative effect on profitability. Meanwhile, liquidity risk and capital risk have no effect on profitability. Keywords: Profitability, Credit Risk, Liquidity Risk, Operational Risk, dan Capital Risk
| Item Type: | Thesis (Other) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk mengetahui pengaruh risiko kredit,risiko likuiditas,risiko operasional dan risiko permodalan terhadap profitabilitas pada bank umum konvensional. Penelitian ini menggunakan data sekunder yang berupa laporan tahunan bank konvensional. Populasi dalam penelitian ini terdiri atas beberapa bank konvensional yang terdaftar di Ototoritas Jasa Keuangan (OJK) tahun 2020-2022. Teknik pengambilan sempel yang menggunakan purposive sampling sehingga diperoleh sebanyak 55 bank x 3 tahun. Metode analisis data dalam penelitian ini adalah analisis regresi linier berganda dengan menggunakan bantuan perangkat lunak Statistic Program for Social Science (SPSS) versi 25. Berdasarkan hasil penelitian menunjukkan bahwa risiko kredit dan risiko operasional berpengaruh negatif terhadap profitabilitas. Sedangkan risiko likuiditas dan risiko permodalan tidak berpengaruh terhadap profitabilitas. |
| Uncontrolled Keywords: | Profitability, Credit Risk, Liquidity Risk, Operational Risk, dan Capital Risk |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 12 Sep 2024 01:42 |
| Last Modified: | 12 Sep 2024 01:42 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/2294 |
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