Pengaruh Efisiensi Operasional, Risiko Kredit, Dan Risiko Likuiditas Terhadap Profitabilitas (Studi Pada Bank Pembangunan Daerah Konvensional Di Indonesia Periode Tahun 2013-2017)

Hidayah, Nikmatul (2019) Pengaruh Efisiensi Operasional, Risiko Kredit, Dan Risiko Likuiditas Terhadap Profitabilitas (Studi Pada Bank Pembangunan Daerah Konvensional Di Indonesia Periode Tahun 2013-2017). Sarjana thesis, Universitas Brawijaya.

Abstract

Penelitian ini bertujuan untuk mengukur dan mengetahui pengaruh dari efisiensi operasional, risiko kredit, dan risiko likuiditas terhadap profitabilitas pada Bank Pembangunan Daerah (BPD) konvensional di Indonesia pada periode tahun 2013-2017. Profitabilitas diukur dengan Return on Asset (ROA). Efisiensi operasional diukur dengan BOPO, risiko kredit diukur dengan Non Performing Loan (NPL), sedangkan risiko likuiditas diukur dengan Loan to Deposit Ratio (LDR). Penelitian ini menggunakan sampel 19 BPD konvensional yang dipilih menggunakan metode purposive sampling. Pengujian hipotesis dalam penelitian ini menggunakan regresi linear berganda. Hasil penelitian yang dilakukan menunjukkan bahwa terdapat pengaruh negatif signifikan antara efisiensi operasional (BOPO) terhadap profitabilitas. Risiko kredit (NPL) memiliki pengaruh negative signifikan terhadap profitabilitas. Risiko likuiditas yang diproksikan dengan LDR menunjukkan pengaruh positif signifikan terhadap profitabilitas. Hasil penelitian ini dapat menjadi sumber informasi bagi BPD dan investor, untuk lebih memperhatikan efisiensi operasional, risiko kredit, dan risiko likuiditas.

English Abstract

The purpose of this research is to measure and acknowledge the effect of operational efficiency, credit risk, and liquidity risk on the profitability of conventional regional development banks in Indonesia in the period of 2013- 2017. Profitability is measured by Return on Asset (ROA). Operational efficiency is quantified by BOPO, credit risk is estimated by Non Performing Loan (NPL), while liquidity risk is gauged by Loan Deposit Ratio (LDR). The study uses 19 conventional regional development banks determined by purposive sampling method as sample. In this study the hyphotesis testing uses multiple regression analysis. The results of this research indicate that operational efficiency has a negative significant effect on profitability. Credit risk has a negative significant effect on profitability. Liquidity risk proxied by LDR shows positive significant effect on profitability. The result of this study can be used as information resources for regional development banks and investors to put more attention to operational efficiency, credit risk, and liquidity risk.

Other obstract

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Item Type:	Thesis (Sarjana)
Identification Number:	SKR/EFB/2019/57/051903494
Uncontrolled Keywords:	efisiensi operasional, risiko kredit, risiko likuiditas, profitabilitas, operational efficiency, credit risk, liquidity risk, profitability
Subjects:	600 Technology (Applied sciences) > 658 General management > 658.8 Managemet of marketing
Divisions:	Fakultas Ekonomi dan Bisnis > Manajemen
Depositing User:	Nur Cholis
Date Deposited:	27 Jul 2020 06:28
Last Modified:	21 Oct 2021 04:43
URI:	http://repository.ub.ac.id/id/eprint/170123

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