PENGARUH UKURAN BANK, KREDIT, KREDIT BERMASALAH, MODAL DAN PRODUK DOMESTIK BRUTO TERHADAP PENGAMBILAN RISIKO BANK
Abstract
Penelitian ini mempunyai tujuan untuk menguji pengaruh dari Ukuran Bank, Kredit, Kredit Bermasalah, Modal, Produk Domestik Bruto pada pengambilan risiko Bank. Data pada penelitian ini diperoleh dari laporan keuangan perbankan selama 5 periode, dari tahun 2018–2022 yang diunduh di situs www.idx.co.id. Untuk jumlah sample yang digunakan sebanyak 50 data dari 10 entitas subsektor perbankan, setelah dilakukan purposive sampling dengan jenis data sekunder. Hasil penelitian menggunakan PYTHON yang menunjukkan bahwa ukuran bank (SIZE) dan kredit bermasalah (NPL) berpengaruh negatif terhadap pengambilan risiko bank. Sedangkan untuk kredit (LDR), modal (CAR), dan produk domestik bruto (PDB) tidak berpengaruh signifikan terhadap pengambilan risiko Bank.
References
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Hermanto. (2018). Analisis Pembagian Dividen Pada Perusahaan Yang Tercatat di BEI. Jurnal Akuntansi Bisnis, 11(1), 41–53.
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Hermanto, H., & Anita, A. (2022). Pengaruh Dana Pihak Ketiga Dan Non Performing Loan Terhadap Profitabilitas Dengan Rasio Intermediasi Makroprudensial Sebagai Variabel Intervening. Jurnal Pendidikan Akuntansi Indonesia, 20(1), 76–87. https://doi.org/10.21831/jpai.v20i1.50591
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Kawamoto, T., Matsuda, T., Takahashi, K., & Tamanyu, Y. (2020). Bank Risk Taking and Financial Stability: Evidence from Japan’s Loan Market Financial System and Bank Examination Department (currently at the Research and Statistics Department) ** Financial System and Bank Examination Department (currently at the Moneta.
Khan, M. A., Siddique, A., & Sarwar, Z. (2020). Determinants of non-performing loans in the banking sector in developing state. Asian Journal of Accounting Research, 5(1), 135–145. https://doi.org/10.1108/AJAR-10-2019-0080
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Kusumastuti, W. I., & Alam, A. (2019). Analysis of Impact of CAR, BOPO, NPF on Profitability of Islamic Banks. Journal of Islamic Economic Laws, 2(1), 30–59.
Leroy, A., & Lucotte, Y. (2019). Competition and credit procyclicality in European banking. Journal of Banking and Finance, 99, 237–251.
Li, G., Elahi, E., & Zhao, L. (2022). Fintech, Bank Risk-Taking, and Risk-Warning for Commercial Banks in the Era of Digital Technology. Frontiers in Psychology, 13(July), 1–13. https://doi.org/10.3389/fpsyg.2022.934053
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Maseke, B. F., & Swartz, E. M. (2021). Risk Management Impact on Non-Performing Loans and Profitability in the Namibian Banking Sector. OALib, 08(06), 1–20. https://doi.org/10.4236/oalib.1106943
Muchtar, M. (2022). Menilai Tingkat Kesehatan Bank dengan Metode CAMELS. Kemenkeu Learning Center. https://klc2.kemenkeu.go.id/kms/knowledge/menilai-tingkat-kesehatan-bank-dengan-metode-camels-e75dbd8d/detail/
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Published
2024-05-18
How to Cite
Tandeas, F., & Setyawan, A. (2024). PENGARUH UKURAN BANK, KREDIT, KREDIT BERMASALAH, MODAL DAN PRODUK DOMESTIK BRUTO TERHADAP PENGAMBILAN RISIKO BANK. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 8(2), 303-325. https://doi.org/10.31955/mea.v8i2.4076
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