Dampak risiko perbankan terhadap kinerja keuangan bank umum konvensional di indonesia.
Info Katalog
File Repositori
Pembimbing 3 : Muhammad Rida Abas
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2025
Pembimbing 1 : Bahtiar Usman
Pembimbing 2 : Hartini
Kata Kunci : banking risks, cash to deposit ratio, cost to income ratio, leverage ratio, liquidity coverage ratio
Status Posting : Published
Status : Lengkap
File Repositori
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2025_TS_MMJ_122012311003_Halaman-Judul.pdf | 13 | |
| 2. | 2025_TS_MMJ_122012311003_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2025_TS_MMJ_122012311003_Surat-Hasil-Similaritas.pdf | 1 | |
| 4. | 2025_TS_MMJ_122012311003_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | ||
| 5. | 2025_TS_MMJ_122012311003_Lembar-Pengesahan.pdf | 4 | |
| 6. | 2025_TS_MMJ_122012311003_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2025_TS_MMJ_122012311003_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2025_TS_MMJ_122012311003_Bab-1.pdf | 11 | |
| 9. | 2025_TS_MMJ_122012311003_Bab-2.pdf | 24 |
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| 10. | 2025_TS_MMJ_122012311003_Bab-3.pdf | 14 |
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| 11. | 2025_TS_MMJ_122012311003_Bab-4.pdf | 30 |
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| 12. | 2025_TS_MMJ_122012311003_Bab-5.pdf | 7 | |
| 13. | 2025_TS_MMJ_122012311003_Daftar-Pustaka.pdf | 8 | |
| 14. | 2025_TS_MMJ_122012311003_Lampiran.pdf | 21 |
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P Penelitian ini bertujuan untuk menganalisis implikasi risiko perbankan terhadap kinerja keuangan bank umum konvensional di indonesia. kinerja keuangan bank sebagai variabel dependen diproksikan ke dalam tiga model yaitu imbal hasil atas aset, imbal hasil atas ekuitas, dan margin bunga bersih. adapun risiko perbankan sebagai variabel independen meliputi risiko kredit yang diukur dengan rasio kredit bermasalah, risiko likuiditas yang diukur dengan rasio kredit terhadap simpanan, rasio kecukupan likuiditas, dan rasio kas terhadap simpanan, risiko permodalan diukur dengan rasio kecukupan modal, ukuran bank, suku bunga, dan inflasi. penambahan variabel risiko operasional yang diukur dengan rasio biaya terhadap pendapatan, leverage, nilai tukar mata uang, dan pertumbuhan ekonomi menjadi kebaruan dalam penelitian ini. objek penelitian dilakukan pada bank umum konvensional yang beroperasi di indonesia selama 2019–2024. pengambilan sampel menggunakan purposive sampling dengan banyak sampel 42 bank dan total 252 observasi. pengumpulan data menggunakan data kuantitatif dengan sumber data sekunder yang berasal dari laporan tahunan dan laporan pendukung lainnya. analisis data menggunakan regresi data panel dengan alat bantu berupa eviews. hasil penelitian menunjukkan bahwa risiko kredit, rasio kredit terhadap simpanan, rasio kas terhadap simpanan, risiko operasional, inflasi, dan nilai tukar mata uang berpengaruh negatif terhadap kinerja keuangan bank. di sisi lain, risiko permodalan, ukuran bank, pertumbuhan ekonomi, dan suku bunga berpengaruh positif terhadap kinerja keuangan bank. adapun rasio leverage dan kecukupan likuiditas tidak berpengaruh terhadap kinerja keuangan bank. penelitian ini dapat dijadikan acuan bagi manajemen bank dalam mengelola risiko guna meningkatkan kinerja keuangan bank. bagi investor dapat menjadi informasi untuk mempertimbangkan risiko operasional dan ukuran bank dalam pengambilan keputusan investasi. penelitian ini juga memberikan masukan bagi regulator dalam mengelola risiko pasar dan makro ekonomi guna dapat meningkatkan kinerja keuangan perbankan. rekomendasi bagi peneliti selanjutnya dapat menggunakan variabel diversifikasi bank yang meliputi diversifikasi aset, diversifikasi pendanaan, diversifikasi kredit, dan diversifikasi pendapatan.
T This research aims to analyze the implications of banking risk on the financial performance of conventional banks in indonesia. the financial performance of the bank as the dependent variable is proxied into three models, namely return on assets, return on equity, and net interest margin. banking risk as an independent variable includes credit risk measured by non-performing loans, liquidity risk proxied by loan to deposit ratio, liquidity coverage ratio, and cash to deposit ratio, capital risk measured by capital adequacy ratio, bank size, interest rates, and inflation. the addition of operational risk measured by cost to income ratio, leverage, exchange rate, and economic growth variables is a novelty in this research. the research object is conventional banks operating in indonesia during 2019–2024. sampling was conducted using purposive sampling with a sample of 42 banks and a total of 252 observations. data collection used quantitative data from secondary sources, including annual reports and other reports. data analysis employed panel data regression with eviews as an analytical tool. the results indicate that credit risk, loan-to-deposit ratio, cash-to-deposit ratio, operational risk, inflation, and exchange rate negatively impact bank financial performance. on the other hand, capital risk, bank size, economic growth, and interest rates have a positive effect on bank financial performance. meanwhile, leverage ratio and liquidity coverage ratio do not affect bank financial performance. this research can serve as a reference for bank management in managing risks to improve bank financial performance. for investors, it can provide information to consider operational risk and bank size in investment decision-making. this research also provides input for regulators in managing market and macroeconomic risks to improve banking financial performance. recommendations for future researchers include using bank diversification variables consisting of asset diversification, funding diversification, loan diversification, and income diversification.