Analisis Pengaruh Faktor Internal Bank dan Faktor Eksternal terhadap Risiko Kredit pada Bank Perkreditan Rakyat di Provinsi Riau

Leini, Leini (2018) Analisis Pengaruh Faktor Internal Bank dan Faktor Eksternal terhadap Risiko Kredit pada Bank Perkreditan Rakyat di Provinsi Riau. Master thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini bertujuan untuk menguji pengaruh faktor internal bank dan faktor eksternal terhadap risiko kredit (non-performing loan) pada Bank Perkreditan Rakyat (BPR) di Provinsi Riau. Variabel independen pada penelitian ini adalah kewajiban penyediaan modal minimum, ukuran perusahaan, pertumbuhan kredit, penyisihan penghapusan aktiva produktif, inefisiensi manajemen, profitabilitas, suku bunga, dan pertumbuhan produk domestik bruto. Pemilihan sampel pada penelitian ini menggunakan teknik purposive sampling pada 34 BPR di Provinsi Riau yang terdaftar di Otoritas Jasa Keuangan pada periode 2013-2017. Data sekunder berupa laporan keuangan triwulan BPR di Provinsi Riau yang dipublikasikan di Otoritas Jasa Keuangan digunakan pada penelitian ini. Pengolahan data dilakukan dengan uji regresi panel. Hasil dari penelitian ini menunjukkan bahwa secara simultan variabel independen berpengaruh signifikan terhadap variabel dependen. Variabel faktor internal bank seperti penyisihan penghapusan aktiva produktif dan inefisiensi manajemen menunjukkan hasil signifikan positif terhadap risiko kredit sedangkan kewajiban penyediaan modal minimum, ukuran perusahaan, pertumbuhan kredit, dan profitabilitas berpengaruh signifikan negatif terhadap risiko kredit. Variabel lain yaitu faktor eksternal bank seperti suku bunga dan pertumbuhan produk domestik bruto tidak memiliki pengaruh yang signifikan terhadap risiko kredit. ********************************************************************** This study aimed to obtain an empirical evidence on the influence of internal bank factors and external factors on credit risk for rural banks in Riau Province that listed on Financial Services Authority. Independent variables used in this study are capital adequacy ratio, firm size, credit growth, loan loss provision, management inefficiency, profitability, interest rate, and gross domestic product growth. Samples from this study using the 34 rural banks in Riau Province that listed on Financial Services Authority within the period 2013-2017 were choosen by using purposive sampling method. Secondary data namely quarterly financial reports of rural banks published on Financial Services Authority are used in this study. Data obtained were tested through panel regression. The results of this study indicated that independent variables are simultaneously have significant impact on dependent variable. The results show that loan loss provision and management inefficiency positively significant on credit risk while capital adequacy ratio, firm size, credit growth, and profitability negatively significant on credit risk. Other variables which is external factors such as interest rate and gross domestic product growth have no significant effect on credit risk.

Item Type: Thesis (Master)
Additional Information: Similarity: 23
Uncontrolled Keywords: Credit Risk, Non-Performing Loan, Internal Bank Factors, Macroeconomics Factors
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: School of Economic and Business > Master of Management
SWORD Depositor: Admin Repository Universitas Internasional Batam
Depositing User: Admin Repository Universitas Internasional Batam
Date Deposited: 27 Apr 2020 08:19
Last Modified: 27 Apr 2020 08:20
URI: http://repository.uib.ac.id/id/eprint/2172

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