PERANAN KUALITAS KREDIT DALAM MEDIASI EKSPANSI KREDIT UNTUK MENCIPTAKAN LABA PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA

  • Ricky Talumantak STIE Pariwisata Internasional, Jakarta1
  • Verry Cyasmoro STIE Pariwisata Internasional, Jakarta1

Abstract

Kredit merupakan sumber utama pendapatan bank umum di Indonesia. Ekspansi kredit yang sehat seharusnya didukung pula oleh kualitas kredit yang baik. Penelitian ini bertujuan untuk menginvestigasi pertumbuhan kredit, agresivitas kredit dan kualitas kredit sebagai variable intervening serta pengaruhnya terhadap kemampuan bank dalam menciptakan laba. Analisis kuantitatif dengan menggunakan metode regresi dilakukan terhadap data panel serta penggunaan analisis path. Metode purposive sampling digunakan dalam menentukan sampel atas bank umum konvensional yang terdaftar pada Bursa Efek Indonesia tahun 2016 sampai dengan 2021. Penelitian ini membuktikan bahwa NPL berhasil memediasi sebagian pengaruh pertumbuhan kredit terhadap ROA, namun NPL tidak berhasil memediasi pengaruh LDR terhadap ROA, pertumbuhan kredit berpengaruh signifikan terhadap ROA, LDR tidak berpengaruh signifikan terhadap ROA, pertumbuhan kredit berpengaruh signifikan terhadap NPL, LDR tidak berpengaruh signifikan terhadap NPL dan NPL berpengaruh signifikan terhadap ROA.

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Published
2022-07-04
How to Cite
Talumantak, R., & Cyasmoro, V. (2022). PERANAN KUALITAS KREDIT DALAM MEDIASI EKSPANSI KREDIT UNTUK MENCIPTAKAN LABA PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 6(2), 837-862. https://doi.org/10.31955/mea.v6i2.2202