Pengaruh Manajemen Risiko Kredit terhadap Profitabilitas Bank Perkreditan Rakyat di Kepulauan Riau

Kurniawan, Edy (2020) Pengaruh Manajemen Risiko Kredit terhadap Profitabilitas Bank Perkreditan Rakyat di Kepulauan Riau. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh manajemen risiko kredit terhadap profitabilitas Bank Perkreditan Rakyat di Kepulauan Riau. Pengukuran profitabilitas dalam variabel dependen ini berupa return on assets dan terdapat variabel independen dalam penelitian ini berupa capital adequacy ratio, non performing loan, bank size, liquidity, efficiency, dan inflasi. Sampel perusahaan perbankan pada penelitian ini terdapat 38 perbankan yang telah terdaftar di Otoritas Jasa Keuangan dari periode 2014-2018. Penentuan sampel ditentukan dengan metode purposive sampling. Pengumpulan data dilakukan dengan cara meneliti, menelaah, dan mempelajari laporan keuangan perbankan kemudian diproses dengan bantuan aplikasi Eviews. Hasil penelitian menunjukkan capital adequacy ratio, bank size, dan efficiency memiliki hubungan signifikan negatif terhadap return on assets. Sementara variabel liquidity berpengaruh signifikan positif terhadap return on assets dan variabel non performing loan serta inflasi tidak memiliki hubungan signifikan dengan return on assets. ********************************************************************** This study is aimed to identify the effect of credit risk management on the profitability of Rural Credit Banks in Riau Islands. Measurement of profitability in this dependent variable is in a form of return on assets and there are independent variables in this study in the form of capital adequacy ratio, non-performing loans, bank size, liquidity, efficiency, and inflation. 38 banking companies are sampled in this study, all registered in the Financial Services Authority within the 2014-2018 period. Purposing sampling method is used to determine the acquired samples. Data collection is done by researching, analyzing, and studying the financial statements of the banking and then processed with the help of the Eviews software. The results showed the capital adequacy ratio, bank size, and efficiency has a significant negative effect on return on assets. While the liquidity variable has a significant positive effect on return on assets and non-performing loan variables, while inflation do not have a significant relationship with return on assets.

Item Type: Thesis (Undergraduate)
Additional Information: Similarity: 23
Uncontrolled Keywords: Profitability, credit risk, rural bank
Subjects: H Social Sciences > HC Economic History and Conditions
H Social Sciences > HF Commerce > HF5601 Accounting
H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: School of Economic and Business > Accounting
SWORD Depositor: Admin Repository Universitas Internasional Batam
Depositing User: Admin Repository Universitas Internasional Batam
Date Deposited: 27 Apr 2020 06:53
Last Modified: 02 Oct 2020 02:29
URI: http://repository.uib.ac.id/id/eprint/2109

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