Budiman, Bagus Dwi and Dr. Tyas Danarti Hascaryani, SE., ME. (2023) Pengaruh Risiko Perbankan, Kebijakan Moneter, Dan Inflasi Terhadap Profitabilitas Bank Kbmi 4 Dan Kmbi 3 2014 – 2021. Sarjana thesis, Universitas Brawijaya.
Abstract
bank besar sekalipun. Ditinjau lebih jauh pada periode sebelumnya ditemukan bahwa profitabilitas bank besar selama 2014 – 2021 cenderung stagnan dan bahkan mengalami penurunan. Penelitian ini bertujuan untuk mengetahui pengaruh risiko perbankan yang terdiri dari risiko kredit (NPL), risiko likuiditas (CR), risiko pasar (NIM), dan risiko operasional (BOPO). Adapun faktor makroekonomi berupa SBDK dan Inflasi. Profitabilitas diukur dengan ROA. Metode analisis penelitian yang digunakan analisis regresi linear berganda dengan model data panel. Hasil penelitian menunjukkan risiko kredit (NPL) berpengaruh signifikan hanya pada profitabilitas bank KBMI 4. Risiko operasional (BOPO) dan risiko pasar (NIM) berpengaruh signifikan pada profitabilitas bank KBMI 4 dan KBMI 3. Sedangkan, risiko likuiditas (CR), SBDK, dan Inflasi tidak berpengaruh sigifikan pada profitabilitas bank KBMI 4 dan KBMI 3.
English Abstract
Bank profitability was disrupted due to the COVID-19 pandemic, even for large banks. In further review of the previous period, it was found that the profitability of large banks during 2014 – 2021 tended to be stagnant and even decreased. This study aims to determine the effect of banking risk which consists of credit risk (NPL), liquidity risk (CR), market risk (NIM), and operational risk (BOPO). The macroeconomic factors are the Credit Interest Rate and Inflation. Profitability is measured by ROA. The research analysis method used multiple linear regression analysis with panel data models. The results showed that credit risk (NPL) had a significant effect only on the profitability of KBMI 4 banks. Operational risk (BOPO) and market risk (NIM) had a significant effect on the profitability of KBMI 4 and KBMI 3 banks. Meanwhile, liquidity risk (CR), Basic Interest Rate Credit and inflation had no significant effect on the profitability of KBMI 4 and KBMI 3 banks.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | :0523020153 |
| Uncontrolled Keywords: | NPL, Cash Ratio, NIM, BOPO, Inflasi, SBDK, ROA, KBMI 4, KBMI 3 |
| Subjects: | 300 Social sciences > 330 Economics |
| Divisions: | Fakultas Ekonomi dan Bisnis > Ilmu Ekonomi |
| Depositing User: | Unnamed user with username nova |
| Date Deposited: | 17 Nov 2023 02:20 |
| Last Modified: | 17 Nov 2023 02:20 |
| URI: | http://repository.ub.ac.id/id/eprint/204687 |
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Text (DALAM MASA EMBARGO)
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