Haerani, Medina Amalia (2021) Analisis Pengaruh Risiko Internal dan Eksternal Perbankan terhadap Profitabilitas Bank HIMBARA. Sarjana thesis, Universitas Brawijaya.
Abstract
Perekonomian global yang mengalami perlemahan pasca krisis dapat berdampak pada penurunan ekspor serta pertumbuhan ekonomi. Penurunan pertumbuhan ekonomi dapat menjadi tantangan baru bagi kinerja perbankan. Kinerja bank dapat diukur melalui profitabilitas bank. Proftabilitas bank umum konvensional mengalami penurunan selama tahun 2009-2019. Sementara itu, penelitian ini bertujuan untuk mengetahui pengaruh risiko internal perbankan (risiko kredit, risiko pasar, risiko likuiditas, dan risiko operasional) dan risiko eksternal perbankan (GDP, Inflasi, Kurs) terhadap profitabilitas Bank HIMBARA. Variabel yang digunakan untuk mengukur risiko internal meliputi NPL, NIM, LDR, dan BOPO. Sedangkan variabel yang digunakan untuk mengukur risiko eksternal meliputi GDP, Inflasi dan Kurs. Profitabilitas diukur dengan menggunakan ROA. Metode analisis yang digunakan adalah Regresi Data Panel. Hasil penelitian menunjukkan bahwa risiko kredit, risiko pasar, risiko operasional berpengaruh signifikan terhadap proftabilitas Bank HIMBARA. Risiko likuiditas tidak berpengaruh signifikan terhadap proftabilitas Bank HIMBARA. Kurs berpengaruh signifikan terhadap profitabilitas Bank HIMBARA. Sedangkan GDP dan Inflasi tidak berpengaruh signifikan terhadap profitabilitas Bank HIMBARA.
English Abstract
The global economy that be weakening after the crisis could have an impact on declining exports and economic growth. The decline in economic growth can be a new challenge for banking performance. Bank performance can be measured through bank profitability. The profitability of conventional commercial banks in Indonesia has decreased during 2009-2019. Meanwhile, this study aims to determine the effect of internal banking risk (Credit Risk, Market Risk, Liquidity Risk, and Operational Risk) and external banking risk (GDP, Inflation, Exchange Rate) on the profitability of Bank HIMBARA. The variables used to measure internal risk include NPL, NIM, LDR, and BOPO. Although the variables used to measure external risk include GDP, Inflation and Exchange Rate. Profitability is measured by using ROA. The analytical method used is Panel Data Regression. The results showed that Credit Risk, Market Risk, Operational Risk had a significant effect on the profitability of Bank HIMBARA. Liquidity Risk has no significant effect on the profitability of Bank HIMBARA. The Exchange Rate has a significant effect on the profitability of Bank HIMBARA. Meanwhile, GDP and Inflation had no significant effect on Bank HIMBARA's profitability.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 052102 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username rizky |
| Date Deposited: | 23 Oct 2021 11:19 |
| Last Modified: | 24 Feb 2022 02:30 |
| URI: | http://repository.ub.ac.id/id/eprint/185566 |
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Text (DALAM MASA EMBARGO)
MEDINA AMALIA HAERANI.pdf Restricted to Repository staff only until 31 December 2023. Download (2MB) |
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