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All Journal Jurnal Ilmiah Manajemen Kesatuan International Journal of Demos
Henny Setyo Lestari
Universitas Trisakti, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Pengaruh Manajemen Risiko Kredit Terhadap Kinerja Keuangan Bank Umum Yang Terdaftar Di Bursa Efek Indonesia Heidy Puspa Alyssa; Henny Setyo Lestari
ijd-demos Volume 4 Issue 1 (2022)
Publisher : HK-Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37950/ijd.v4i1.184

Abstract

AbstractThe problem in this study is whether credit risk has an influence on the financial performance of conventional commercial banks in Indonesia 2014 - 2020. This study aims to determine the effect of credit risk and other risk variables on ROA. The research method used is panel data regression with REM. The result of this study is that credit risk calculated by the NPL ratio has a significant effect while the LLR ratio has no effect on ROA. For other risk variables, namely, CAR, CIR and LDR have a significant effect on ROA. For bank managers and investors, it is necessary to pay attention to the value of NPL, CAR, CIR and LDR in making management and investment decisions.Keywords: bank capital, commercial banks, credit risk, financial performance, liquidity risk, operational risk AbstrakPermasalahan pada penelitian ini adalah apakah risiko kredit memiliki pengaruh terhadap kinerja keuangan bank umum konvensional di Indonesia 2014 -2020. Maka penelitian ini bertujuan untuk mengetahui pengaruh risiko kredit dan variabel risiko lain terhadap ROA. Metode penelitian yang digunakan adalah regresi data panel dengan REM. Hasil dari penelitian ini adalah risiko kredit yang dihitung dengan rasio NPL berpengaruh signifikan sedangkan rasio LLR tidak berpengaruh terhadap ROA. Untuk variabel risiko lain yaitu, CAR, CIR dan LDR berpengaruh signifikan terhadap ROA. Bagi manajer bank dan investor perlu memperhatikan nilai NPL, CAR, dan CIR dalam pengambilan keputusan manajemen maupun investasi.Kata Kunci: bank umum, kinerja keuangan, permodalan bank, risiko kredit, risiko likuiditas, risiko operasional
The Influence of Macroeconomic Indicators and Bank Internal Factors on Credit Risk in Developing Countries Henny Setyo Lestari; Bahtiar Usman; Wafi Suryo Laksono; M. Hussin Abdullah
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3178

Abstract

This study aims to analyze the determinants of credit risk in commercial banks in Indonesia as measured by Non-Performing Loans (NPL), as the main indicator of banking system stability. This study uses a quantitative method with a panel data regression approach to evaluate the influence of various factors on credit risk. Data were obtained from financial statements and annual reports of banks listed on the Indonesia Stock Exchange. The sample consisted of 36 banks during the period 2019–2023, resulting in 180 observations. The analysis was conducted using multiple linear regression with fixed and random effect models through EViews software. The results of the analysis show that variables such as interest rates, bank size, return on assets (ROA), loan loss provisions (LLP), capital adequacy ratio (CAR), and asset quality have a significant effect on NPL. In contrast, gross domestic product (GDP) and inflation do not show a significant effect. These findings indicate that interest rates and ROA are significant new contributors to NPL fluctuations in the Indonesian banking sector during the study period.
Co-Authors Bahtiar Usman Heidy Puspa Alyssa M. Hussin Abdullah Wafi Suryo Laksono