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All Journal Jurnal Kajian Ilmu Manajamen
Rifka Ariyani
Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Trunojoyo Madura
Economics, Econometrics & Finance

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Faktor-Faktor Yang Mempengaruhi Risiko Kredit Sektor Perbankan Di Bursa Efek Indonesia Rifka Ariyani; Evaliati Amaniyah
Jurnal Kajian Ilmu Manajemen (JKIM) Vol 1, No 1 (2021): Maret
Publisher : Management Department of Economics and Business Of Trunojoyo Madura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1129.381 KB) | DOI: 10.21107/jkim.v1i1.10597

Abstract

Bank fundamental factors affect credit risk management policies, because by knowing the internal conditions of the bank, the credit extension policy will be adjusted, in order to minimize the risk of failure or bad credit that creates losses for the Bank. The purpose of this study is to determine the factors that affect credit risk in the banking sector in Indonesia in 2015-2019. This study uses a quantitative approach and  statistical tools like multiple regression analysis in conducting hypothesis testing. The results showed that the factors affecting credit risk in the banking sector on the Indonesia Stock Exchange were capital adequacy (CAR) and management quality (BOPO), while profitability (NIM) and liquidity (LDR) did not affect the credit risk (NPL) of the banking sector on the Indonesia Stock Exchange.  The coefficient of determination (R2) in this study was 32.1%, so that about 67.9% of the credit risk was explained by other variables not examined in this study.
Co-Authors Evaliati Amaniyah