Pengaruh Risiko Kredit, Risiko Pasar, Dan Risiko Likuiditas Terhadapkinerja Perbankan Pada Tahun 2016-2020 (Studi Di Bank Pembangunan Daerah Indonesia)

  • Marsha Caesarani Universitas Singaperbangsa Karawang
  • Gusganda Suria Manda Universitas Singaperbangsa Karawang

Abstract

The role of the banking system uses more of the financial system. The financial system has a very positive impact on bank performance. This study is to understand the risk of influence on banking which is analyzed using NPL, NIM, LDR ratios related to financial performance at Regional Development Banks in Indonesia. The evidence used is from the annual financial report of the Financial Services Authority. The sample quantity is 5 Regional Development Banks in Indonesia using a time span from 2016-2020. In conducting observations using SPSS version 25 technique where observation data prove simultaneously, NPL, NIM, and LDR have a relevant impact on ROA. In partial, relevant NPL has a negative impact on ROA, NIM is relevant and has a positive impact on ROA, LDR is irrelevant and has a negative impact on ROA. In this observation, it is generated that Banking Risk as measured by the three ratios contained has a relevant impact on financial performance. Make sure that the Regional Development Bank is obliged to be able to recognize its business actions. In the observation where the company must include, reduce NPL and LDR because it will have a negative impact on ROA. Also increases NIM because it has a positive impact on ROA.

Keywords: Financial Performance, NPL, NIM, LDR, ROA.

References

Attar. (2014). Pengaruh Penerapan Manajemen Risiko terhadap Kinerja Keuangan Perbankan Yang Terdaftar di Bursa Efek Indonesia. Jurnal Akuntansi E-Journal UNSYIAH ISSN 2302-0164 Pascasarjana Universitas Syiah Kuala. www.jurnal.unsyiah.ac.id php/EMBA/artikel/View/15997 .Diakses 16 Februari 2017. Hal 1-10.
Dendawijaya. (2003). Manajemen Perbankan, Edisi kedua. Ghalia: Indonesia Jakarta Desember,. www.ejournal.undip.ac.id/index.php/jbs diakses 18 februari 2017, 1-10
Fahmi, I. (2012). Analisis Laporan Keuangan. Cetakan Ke-2. Alfabeta: Bandung
Hasibuan, M.,S.P. (2000). Dasar-Dasar Perbankan. Bumi Aksara: Jakarta
Januarti. (2002). Variabel Proksi CAMEL dan Karakteristik Bank Lainnya untuk Memprediksi Kebangkrutan Bank di Indonesia, Junal Bisnis Strategi. 10,
Munawir, S. (2012). Analisis Informasi Keuangan, Liberty, Yogyakarta.
Nurintan Y. (2016). Pengaruh Penerapan manajemen Risiko kredit, pasar, likuiditas dan operasional terhadap kinerja keuangan perbankan 2011-2015 Universitas Lampung. Skripsi Lampung. www.ubl.ac.id/perpustakaan/118-Skripsi/1373-Skripsi.htm Diakses tagl 17 februari 2017.Hal 1-117
Puspitasari. (2015). Implementation Of The Indonesian Banking Architecture As A Blueprint Of The Direction And Order Of The National Banking System Empirical Study Of Indonesian Commercial Banking. (JBME) Jurnal Bisnis dan ekonomi. Journal The WINNERS,Faculty of Business and Management, Widyatama University Bandung. 16(1), March 2015: 6-14.Diakses : 16 februari 2017 . Hal 1-10 https://www.thewinnersjournal.com
Sucipto. (2003). Penilaian Kinerja Keuangan. Jurnal Akuntansi, Program Sarjana Universitas Sumatera Utara, Medan. Diakses tagl 18 februari 2017
Published
2022-05-27
How to Cite
Caesarani, M., & Manda, G. (2022). Pengaruh Risiko Kredit, Risiko Pasar, Dan Risiko Likuiditas Terhadapkinerja Perbankan Pada Tahun 2016-2020 (Studi Di Bank Pembangunan Daerah Indonesia). COSTING : Journal of Economic, Business and Accounting, 5(2), 1179-1186. https://doi.org/https://doi.org/10.31539/costing.v5i2.3092
Abstract viewed = 0 times
PDF downloaded = 0 times