Analisis Pengaruh Tata Kelola Perusahaan terhadap Non Performing Loan

Wulandari, Dini (2019) Analisis Pengaruh Tata Kelola Perusahaan terhadap Non Performing Loan. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tata kelola perusahaan terhadap kredit bermasalah atau lebih dikenal dengan non performing loan yang dihadapi oleh sektor perbankan sebagai risiko dalam pemberian pinjaman. Sampel penelitian yang digunakan yaitu 35 perbankan yang terdaftar di Bursa Efek Indonesia selama periode tahun 2013-2017. Pengambilan sampel menggunakan metode purposive sampling, dimana metode tersebut mencerminkan keragaman populasi dan pemilihan sampel dipilih sesuai dengan kriteria yang telah ditetapkan penelitian. Metode analisis yang digunakan dalam penelitian ini menggunakan regresi panel dimana data gabungan antara cross sectional dan time series, dan diproses dengan menggunakan aplikasi SPSS versi 21 dan Eviews 10. Pengujian dilakukan dengan uji statistik deskriptif, uji outlier, pemilihan model penelitian terbaik dengan Uji Chow dan Uji Hausman, dilanjutkan dengan Uji F, Uji t, dan pengukuran R-square. Variabel tata kelola perusahaan terbagi menjadi 3 bagian yaitu indeks tata kelola, spesifik bank, dan makroekonomi. Berdasarkan hasil pengujian variabel indeks tata kelola perusahaan yaitu ukuran dewan, dewan independen, kepemilikan direktur, kepemilikan mayoritas, variabel spesifik bank yaitu ukuran bank, ketentuan kerugian pinjaman, diversifikasi peluang, dan variabel makroekonomi tingkat pengangguran tidak berpengaruh signifikan terhadap NPL. Sedangkan satu variabel makroekonomi berupa tingkat suku bunga berpengaruh signifikan positif terhadap NPL. Hasil pengukuran R-square menyatakan variabel-variabel tersebut dapat menjelaskan 49,20% terhadap penelitian NPL. ********************************************************************** This study aims to analyze the effect of corporate governance on problem loans, better known as non-performing loans faced by the banking sector as a risk in lending. The research sample used was 35 banks listed on the Indonesia Stock Exchange during the period 2013-2017. Sampling uses a purposive sampling method, where the method reflects the diversity of the population and the selection of samples chosen according to the criteria set by the study. The analytical method used in this study uses panel regression where the combined data is cross sectional and time series, and is processed using the SPSS version 21 and Eviews 10. The test is done by descriptive statistical test, outlier test, selection of the best research model with Chow Test and Hausman Test, followed by F Test, t Test, and R-square measurement. The corporate governance variable is divided into 3 parts, namely the corporate governance index, bank specific, and macroeconomics. Based on the results of testing the corporate governance index variables, namely board size, independent board, director ownership, majority ownership, bank-specific variables namely bank size, loan loss provisions, opportunity diversification, and unemployment macroeconomic variables did not significantly influence the NPL. While one macroeconomic variable in the form of interest rates has a significant positive effect on NPL. The R-square measurement results state that these variables can explain 49.20% of the NPL research

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