Analisis Manajemen Risiko Perbankan Pada Bank Umum Di Indonesia Periode 2019-2023

Moh. Rizqy Eka Putra; Gymnastiar Eka Aurillina Pasaribu; Ladi Wajuba Perdini Fisabilillah; Tony Seno Aji

doi:10.26740/independent.v5i1.65204

Penulis

Moh. Rizqy Eka Putra Universitas Negeri Surabaya
Gymnastiar Eka Aurillina Pasaribu Universitas Negeri Surabaya
Ladi Wajuba Perdini Fisabilillah Universitas Negeri Surabaya
Tony Seno Aji Universitas Negeri Surabaya

DOI:

https://doi.org/10.26740/independent.v5i1.65204

Kata Kunci:

NPL, LDR, BOPO, ROA

Abstrak

Penelitian ini menganalisis dampak NPL (Non-Performing Loans), LDR (Loans to Deposits Ratio), dan BOPO (Beban Operasional terhadap Pendapatan Operasional) terhadap ROA (Return on Assets) pada bank umum di Indonesia selama 2019-2023. Menggunakan data sekunder dari laporan keuangan bank yang terdaftar di BEI, analisis dilakukan dengan regresi berganda menggunakan Eviews 12. Teknik purposive sampling dipakai untuk memilih enam bank yang memenuhi kriteria, sehingga total sampel terdiri dari 30 bank. Hasil penelitian menunjukkan bahwa NPL memiliki dampak negatif signifikan terhadap ROA, mengurangi profitabilitas bank. LDR dan BOPO tidak mempengaruhi ROA secara signifikan, menunjukkan bahwa efektivitas kredit dan efisiensi operasional tidak langsung memengaruhi profitabilitas. CAR juga tidak signifikan terhadap ROA, kemungkinan karena kurangnya pemanfaatan modal yang menguntungkan. Secara keseluruhan, manajemen risiko kredit dan kualitas aset lebih memengaruhi profitabilitas dibandingkan dengan efisiensi operasional dan penggunaan dana

Unduhan

Data unduhan belum tersedia.

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