PENGARUH PERMODALAN, RISIKO KREDIT, DAN RISIKO LIKUIDITAS TERHADAP PROFITABILITAS PADA BANK DENGAN KATEGORI BUKU (BANK UMUM KEGIATAN USAHA)

Antyo Pracoyo, Aulia Imani

Abstract


This study aims to analyze the influence of bank specific components on the profitability of the banking industry with the category of Commercial Business Activities (BUKU) 3 in the period 2011-2015. The analytical method used is the analysis of Multiple Linear Regression with the number of samples of 8 banks or Foreign Exchange Banks in BOOK 3. The independent variables used for this study are based on bank ratios, capital measured by Capital Adequacy Ratio, Credit Risk measured by Non-Performing Loans, and Liquidity Risk is measured by Loan to Deposit Ratio. The dependent variable is Profitability measured by Return On Assets (ROA). The results of this study indicate that Capital Risk and Liquidity have no significant effect on profitability. Meanwhile, Credit Risk has a significant effect on Profitability

Keywords


CAR, NPL, LDR, ROA, Risk

Full Text:

PDF

Article Metrics

Abstract views : 0| PDF views : 0

References


Afriyie, H. O., & Atokey, J. O. (2013). Credit Risk Management and Profitability of Rural Banks in the Brong Ahafo Region of Ghana. European Journal of Business and Management Vol 5 No. 24, hal: 24-33.

Ali, M. (2006). Manajemen Risiko: Strategi Perbankan dan Dunia Usaha Menghadapi Tantangan Globalisasi Bisnis. Jakarta: PT Raja Grafindo.

Antoni, A., & Nasri, M. (2015). Profitability Determinants of Go-Public Bank in Indonesia: Empirical Evidence after Global Financial Crisis. International Journal of Business and Management Invention Vol. 4 Issue 1, hal: 37-46.

Bank Indonesia. (2004). Surat Edaran Bank Indonesia Nomor 6/23/DPNP/2004 Perihal Sistem Peniliaian Tingkat Kesehatan Bank Umum. Jakarta: Bank Indonesia

____________. (2011). Peraturan Bank Indonesia Nomor 13/1/PBI/2011 Tentang Penliaian Tingkat Kesehatan Bank Umum. Jakarta: Bank Indonesia.

____________. (2011). Peraturan Bank Indonesia Nomor 31/3/PBI/2011 Tentang Penetapan Status dan Tindak Lanjut Pengawasan Bank. Jakarta: Bank Indonesia.

____________. (2011). Surat Edaran Bank Indonesia Nomor 13/24/DPNP Perihal Penilaian Tingkat Kesehatan Bank Umum. Jakarta: Bank Indonesia.

.____________. (2015). Peraturan Bank Indonesia Nomor 17/11/PBI/2015 Tentang Perubahan PBI Nomor 15/15/PBI/2013 Tentang GWM Bank Umum Dalam Rupiah dan Valuta Asing Bagi Bank Umum Konvensional. Jakarta: Bank Indonesia.

Fahmi, I. (2015). Manajemen Risiko Teori, Kasus, dan Solusi. Bandung: Penerbit Alfabeta.

Ghozali, I. (2005). Aplikasi Analisis Multivariate dengan program SPSS. Semarang: Badan Penerbit Universitas Dipenogoro.

Gujarati, D. (2007). Dasar - Dasar Ekonometrika Jilid 1. Jakarta: Penerbit Erlangga.

Hery. (2015). Analisis Kinerja Manajemen. Jakarta: PT Grasindo.

Idris, A. R., Asari, F. F., Taufik, N. A., Salim, N. J., Mustaffa, R., & Jusoff, K. (2011). Determinant of Islamic Banking Institutions' Profitability in Malaysia. World Applied Sciences Journal 12 (Special Issue on Bolstering Economic Sustainability), hal: 1-7.

LSPP-IBI, (2012). Mengelola Bank Komersial : Modul Sertifikasi Tingkat II General Banking. Jakarta : PT Gramedia.

Pasaribu, H., & Sari, R. L. (2011). Analisis Tingkat Kecukupan Modal dan Loan to Deposit Ratio Terhadap Profitabilitas. Jurnal Telaah & Riset Akuntansi Vol. 4 No. 2, hal: 114-125.

Prasetyo, D. A. & Darmayanti, N. P. A. (2015). Pengaruh Risiko Kredit, Likuiditas, Kecukupan Modal, dan Efisiensi Operasional Trhadap Profitabilitas Pada PT. BPD Bali. E-Jurnal Manajemen Unud, Vol. 4, No. 9, hal 2590 - 2617.

Pusakasari, A. Y. (2014). Regresi Panel dengan Metode Weighted Cross-Section SUR Pada Data Pengamatan Gross Domestic Product dengan Heterokedastisitas dan Korelasi Antar Individu (Cross-Section Correlation). Jurnal Statistik Vol. 2 No. 6. Jakarta: Universitas Brawijaya.

Rivai, V., Veithzal, A. P., & Idroes, F. N. (2007). Bnak and Financial Institution Management. Jakarta: PT Rja Grafindo Persada.

Rose, P. S., & Hudgins, S. C. (2013). Bank Management & Financial Services 9th Edition.

Saunders, A., & Cornett, M. M. (2006). Financial Institution Management: A Risk Management Approach 5th Edition. America: McGraw-Hill.

Sekaran, U., & Bougie, R. (2013). Research Methods for Business. United Kingdom: John Wiley & Suns Ltd.

Siamat, D. (2005). Manajemen Lembaga Keuangan: Kebijakan Moneter dan Perbankan Edisi 5. Jakarta: Lembaga Fakultas Ekonomi Universitas Indonesia.

Silvanita, K. (2009). Bank dan Lembaga Keuangan Lain. Jakarta: Erlangga.

Soedarto. (2007). Manajemen Riisko Untuk BPR. Jakarta: PT. Palem Jaya.

Taswan, C. (2010). Manajemen Perbankan Konsep, Teknik & Aplikasi Edisi 2. Yogyakarta: UPP STIM YKPN Yogyakarta.

Tri Kunawangsih Purnamaningrum, Antyo Pracoyo, Handri Hasan (2016). Ekonomika Makro Sebuah Pengantar, Jakarta: LPFE Universitas Trisakti.

Van Horne, J. C., & Wachowiz, J. M. (2005). Fundamentals of Financial: Management. Jakarta: Salemba Empat.

Widarjono, A. (2009). Ekonometrika Pengantar dan Aplikasinya Edisi 3. Yogyakarta: Ekonisia.

Winarno, W. W. (2011). Analisis Ekonometrika dan Statistika dengan Eviews Edisi 3. Yogyakarta: Unit Penerbit dan Percetakan STIM YKPN Yogyakarta.




DOI: http://dx.doi.org/10.25105/me.v25i1.5200

Refbacks

  • There are currently no refbacks.


Copyright (c) 2019 Media Ekonomi

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

 

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

 

View My Stats