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.
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