Pengaruh Diversifikasi Portofolio Kredit Dan Bank Size Terhadap Risiko Kredit Pada Industri Perbankan Kelompok Bank Berdasarkan Modal Inti (KBMI) 1 Periode 2019-2023

Tarisa Sagita Utami (Universitas Informatika dan Bisnis Indonesia)
Aninditha Putri Kusumawardhani (Universitas Informatika dan Bisnis Indonesia)
Agung Pramayuda (Universitas Informatika dan Bisnis Indonesia)

Jurnal Dimamu
Vol. 5 No. 3 (2026)

This research aims to determine the description and influence of Credit Portfolio Diversification and Bank Size on Credit Risk. The object of this research is the Bank Group banking industry based on Core Capital (KBMI) 1 for the 2019-2023 period. The method used is a quantitative method with a descriptive and verification approach.  The population in this study was 235 annual report from 47 banking companies in the Bank Group based on Core Capital (KBMI) 1 for the 2019-2023 period, using a sampling technique purposive sampling, So the sample in this study totaled 50 annual report of 10 companies for the 2019-2023 period. The results of this research show that credit portfolio diversification does not spread the credit portfolio to various sectors, bank size experienced an increase from 2019-2020 and decreased in 2023, and credit risk experienced fluctuations. Based on the test results, it was found that Credit Portfolio Diversification does not affect Credit Risk with an influence size of 0.2%, Bank Size influence on Credit Risk with the magnitude of the influence, Credit Portfolio Diversification and Bank Size No influence on Credit Risk in the Bank Group banking industry based on Core Capital (KBMI) 1 for the 2019-2023 period with an influence size of 6.2%.