Pengaruh Risiko Kredit, Risiko Pasar, Risiko Likuiditas Dan Risiko Operasional Terhadap Kinerja Keuangan Bank Umum Berdasarkan Kegiatan Usaha (BUKU) 3 Dan 4 Periode 2012 - 2015

Arviana, Nerissa Eka (2017) Pengaruh Risiko Kredit, Risiko Pasar, Risiko Likuiditas Dan Risiko Operasional Terhadap Kinerja Keuangan Bank Umum Berdasarkan Kegiatan Usaha (BUKU) 3 Dan 4 Periode 2012 - 2015. S1 thesis, STIE Indonesia Banking School.

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Official URL: http://lib.ibs.ac.id/index.php?p=show_detail&id=34...

Abstract

This research am1s to determine the effect of credit risk, market risk, liquidity risk and operational bank to a Commercial Bank's financial performance outlined in B11s111ess Activity (BUKU) 3 and -I 111 the penocl of2012 - 2015. The independent variables that are used m this research are Non Performing loan (NPL) is measured by credit nsk, Posisi Oevisa Neto (PON) is measured by market risk, Loan to Deposit Ratio (LOR) is measured by liquidity risk and Biaya Operasional terhadap Pendapatan Operasional (BOPO) is measured by operational risk. The dependent variables that is used in this research Return on Asset (ROA) is measured by commercial bank's financial performance. The sample in this study is a Commercial Bank as according to Business Activities (BUKU) 3 and ./ m the period of 2012 - 2015 that is listed in the Indonesia Stock Exchange by 11s111g pwposive sampling technique. This study use the quarterly financial repotys obtained from the Financial Services Authority's (OJK) website as secondary data. Data analysis is performed with a quantitive analysis method called the multiple regression analysis with the assistance of eviews 9.5.2 version has been used as the statistic test instrument. The data in this study are tested on their normality, multicollinearity, heteroscedasticity and autocorrelation. The result shows that when credit risk, market risk, liquidily risk and operational risk are measured partially, credit risk (NPL), market risk (PON) and liquidity risk (LOR) has not influence to the profitability (ROA). Operational risk (BOPO) has significant and negative influence to the profitability (ROA). Keywords : Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Profitability, Nott Performing Loall (NPL), Posisi Devisa Neto (PON), Loan to Deposit Ratio (LDR), Biaya Operasional terhadap Pendapatan Operasional (BOPO) and Return Oil Asset (ROA).

Item Type: Thesis (S1)
Subjects: H Social Sciences > HF Commerce > HF5601 Accounting
Divisions: KODEPRODI62201#Akuntansi
Depositing User: Ms Dyta Medina
Date Deposited: 30 Jul 2020 04:22
Last Modified: 03 Sep 2020 07:25
URI: http://repository.ibs.ac.id/id/eprint/553

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