Raswandi, Putri Dinah Husna (2019) Bank Risk Management: Correlation of Internal and External Factors towards the Effect to Bank Central Asia (BCA) Assets 2010 - 2017. Sarjana thesis, Universitas Brawijaya.
Abstract
Penelitian dalam skripsi ini dilatarbelakangi oleh kinerja bank, yang ditentukan oleh seberapa baik bank dalam mengelola dananya sehingga dapat memperoleh laba maksimal. Dalam mengelola dana mereka harus mendapatkan laba, itu bisa dilihat melalui indikator tingkat kesehatan yang akan menentukan kinerja bank dalam memperoleh laba maksimal. Indikator-indikator ini adalah Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) dan Kurs, sedangkan untuk laba diukur dengan Return on Asset (ROA). Penelitian ini bertujuan untuk menguji pengaruh Non-Performing Loans (NPL), Loan to Deposit (LDR), Biaya Operasional Pendapatan Operasional (BOPO), Kurs terhadap Return on Assets (ROA) di Bank Central Asia untuk periode 2010 - 2017 , baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Data yang digunakan dalam penelitian ini diperoleh dari data Laporan Keuangan Publikasi triwulanan Bank Sentral untuk periode 2010 - 2017. Metode analisis yang digunakan dalam penelitian ini adalah regresi linier berganda dengan memenuhi uji asumsi klasik, pengujian hipotesis, dan uji koefisien determinasi. Hasil penelitian menunjukkan bahwa secara parsial Nilai Tukar berpengaruh positif signifikan terhadap Return on Asset (ROA) Bank Central Asia. Non-Performing Loans (NPL) berpengaruh negatif signifikan terhadap Return on Asset (ROA) Bank Central. Loan to Deposit Ratio (LDR) berpengaruh negatif dan signifikan terhadap Return on Asset (ROA) Bank Central Asia. Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh negatif dan signifikan terhadap Return on Asset (ROA) Bank Sentral Asia. Nilai R Square sebesar 0.779456. menunjukkan bahwa kemampuan variabel dependen yaitu kurs, Non-Performing Loans, Loan to Deposit Ratio dan Biaya Operasioanal Pendapatan Operasional terhadap Return on Asset (ROA) Bank Central Asia sebesar 77.94% sisanya dipengaruhi oleh variabel lain yang tidak diteliti.
English Abstract
The research is motivated by a bank's performance, which is determined by how well a bank is in managing its bank funds so it can obtain maximum profits. In managing the funds they have to obtain profits, it can be seen through health level indicators that will determine the performance of the bank in obtaining maximum profits. These indicators are NPL, LDR, OEOI, and Exchange Rate, while for-profits measured by ROA. The research aims to examine the effect of Non-Forming Loans (NPL), Loan to Deposit (LDR), Operational Expense Operational Income (OEOI), Exchange Rate on Return on Assets (ROA) at Bank Central Asia for the period 2010 - 2017, both partially and simultaneously. This study used a quantitative approach to the type of associative research. The data used in this study were obtained from quarterly Central Bank Publication Financial Report data for the period 2010 - 2017. The analytical method used in this research was multiple linear regression by fulfilling the classical assumption test, hypothesis testing, and test coefficient of determination. The results showed that the exchange rate partially had a significant positive effect on Bank Central Asia's Return on Assets (ROA). Non-Performing Loans (NPL) have a negative significant effect on Bank Central Return on Assets (ROA). Loan to Deposit (LDR) has a negative and significant effect on Bank Central Asia's Return on Assets (ROA). Operational Expense Operating Income (OEOI) has a negative and significant effect on the Return on Assets (ROA) of the Central Bank of Asia. R Square value of 0.779456. shows that the ability of the dependent variable namely the exchange rate, Non-Performing Loans, Loan to Deposit and Operational Expense Operating Income to Return on Assets (ROA) of Bank Central Asia by 77.94% the rest is influenced by other variables not examined.
Other obstract
-
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FEB/2019/682/052000852 |
| Uncontrolled Keywords: | Exchange Rate, Non-Performing Loans (NPL), Loan to Deposit (LDR), Operational Income Operational Expense (OEOI), Return of Assets (ROA). |
| Subjects: | 300 Social sciences > 332 Financial economics > 332.1 Banks > 332.106 8 Banks (Management) |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Endang Susworini |
| Date Deposited: | 03 Nov 2020 14:25 |
| Last Modified: | 03 Nov 2020 14:25 |
| URI: | http://repository.ub.ac.id/id/eprint/178604 |
Actions (login required)
 |
View Item |