DETAIL KOLEKSI

Faktor – faktor yang mempengaruhi resiko operasional dan resiko kredit pada Bank Konvensional di BEI


Oleh : Eva Sri Latifah

Info Katalog

Nomor Panggil : 2018_TA_MJ_022121207

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2018

Pembimbing 1 : Catur Rahayu

Subyek : Credit risk;Financial management

Kata Kunci : operational risk, credit risk, bank size, gearing ratio, non performing loans ratio, dan operating e


File Repositori
No. Nama File Ukuran (KB) Status
1. 2018_TA_MJ_022121207_Halaman-Judul.pdf 961.49
2. 2018_TA_MJ_022121207_Bab-1.pdf 629.82
3. 2018_TA_MJ_022121207_Bab-2.pdf 774.16
4. 2018_TA_MJ_022121207_Bab-3.pdf 870.88
5. 2018_TA_MJ_022121207_Bab-4.pdf 885.9
6. 2018_TA_MJ_022121207_Bab-5.pdf 502.48
7. 2018_TA_MJ_022121207_Daftar-Pustaka.pdf 494.55
8. 2018_TA_MJ_022121207_Lampiran.pdf 3441.06

P Penelitian ini bertujuan untuk meneliti pengaruh bank size, gearing ratio, non performing loans ratio, dan operating efficiency terhadap operational risk dan credit risk Bank Komersial di Indonesia. Variabel independent yang digunakan dalam penelitian ini terdiri dari bank size, gearing ratio, non performing loans ratio, dan operating efficiency. Operational risk diukur dengan menggunakan return on asset (ROA) sedangkan credit risk diukur dengan menggunakan perbandingan total debt dengan total asset. Penelitian ini menggunakan metode analisis regresi berganda & uji hipotesis terhadap 26 perusahaan di sektor perbankan, selama 5 tahun dari periode 2012 sampai dengan 2016. Hasil penelitian menunjukkan bahwa variabel non performing loans ratio memiliki pengaruh negatif dan signifikan terhadap operational risk. Bank size dan operating efficiency memiliki pengaruh negatif dan signifikan terhadap credit risk, tetapi gearing ratio memiliki pengaruh positif dan signifikan terhadap credit risk. Bank size, gearing ratio dan operating efficiency tidak memiliki pengaruh terhadap operational risk sedangkan non performing loans ratio tidak memiliki pengaruh terhadap credit risk.

T This study aimed to examine the effect of bank size, gearing ratio, non performing loans ratio, and operating efficiency to operational risk and credit risk Commercial Bank in Indonesia. The independent variables used in this research consists of bank size, gearing ratio, nonperforming loans ratio, and operating efficiency. Operational risk as the dependent variables as measured by return on asset (ROA) while credit risk measured comparison total debt with total asset. This study uses multiple regression analysis and hypotesis test of the 26 companies in the banking sector, during the period of 5 years from 2012 to 2016. The result shiwed that the Non performing loans ratio has significantly negative effect to operational risk. Bank size and Operating efficiency has significantly negative effect to credit risk, but Gearing ratio has significantly positif effect to credit risk. Bank size, gearing ratio, operating efficiencyhas no effect on operational risk. Non performing loans ratio has no effect to credit risk.

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