PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN BANK

Rifkasari, Tiara Safina (2022) PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN BANK. S1 thesis, STIE Indonesia Banking School.

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Abstract

This study aims to determine the effect of credit risk, capital adequacy, liquidity risk and operational efficiency on banking financial performance. This study uses conventional commercial banks in Indonesia for the 2016-2020 research period as objects in this research observation. This study used 39 conventional banks as samples and used purposive sampling method. The analysis used in this study applies the method of multiple linear regression analysis with two proxies for measuring financial performance, namely Return On Assets and Net Interest Margin (NIM). The results of this study indicate that credit risk has no effect on financial performance either by measuring the ROA or NIM ratios, but during the pandemic credit risk has a significant negative effect on financial performance as measured by ROA and has no effect when financial performance is measured using NIM. Capital adequacy has a positive effect if financial performance is measured using the ROA proxy and has no effect if financial performance is measured using the NIM proxy, during the covid-19 pandemic capital adequacy has no effect on financial performance. Liquidity risk has no effect on financial performance, whether measured using ROA or NIM, and during the COVID-19 pandemic, liquidity risk has no effect on financial performance. Operational efficiency has a significant negative effect on financial performance both measured using ROA and NIM both before the covid-19 pandemic and during the covid-19 pandemic

Item Type: Thesis (S1)
Uncontrolled Keywords: Risiko Kredit, Kecukupan Modal, Risiko Likuiditas, Efisiensi Operasional, Kinerja Keuangan
Subjects: H Social Sciences > HF Commerce > HF5601 Accounting
Divisions: Prodi S1 Akuntansi
Depositing User: Sparta Sparta
Date Deposited: 23 Oct 2022 12:51
Last Modified: 23 Oct 2022 12:51
URI: http://repository.ibs.ac.id/id/eprint/5394

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