Pengaruh risiko, karakteristik perbankan, dan makroekonomi terhadap kinerja keuangan bank komersial yang terdaftar di bursa efek indonesia
Penerbit : FEB - Usakti
Kota Terbit : Jakarta
Tahun Terbit : 2026
Pembimbing 1 : Bahtiar Usman
Pembimbing 2 : Nama Saya
Kata Kunci : Banking Characteristics, Financial Performance, Macroeconomics, Banking Risk.
Status Posting : Published
Status : Lengkap
| No. | Nama File | Hal. | Link |
|---|---|---|---|
| 1. | 2026_SK_SMJ_022002201030_Halaman-Judul.pdf | 11 | |
| 2. | 2026_SK_SMJ_022002201030_Surat-Pernyataan-Revisi-Terakhir.pdf | 1 | |
| 3. | 2026_SK_SMJ_022002201030_Surat-Hasil-Similaritas.pdf | 1 | |
| 4. | 2026_SK_SMJ_022002201030_Halaman-Pernyataan-Persetujuan-Publikasi-Tugas-Akhir-untuk-Kepentingan-Akademis.pdf | 1 | |
| 5. | 2026_SK_SMJ_022002201030_Lembar-Pengesahan.pdf | 4 | |
| 6. | 2026_SK_SMJ_022002201030_Pernyataan-Orisinalitas.pdf | 1 | |
| 7. | 2026_SK_SMJ_022002201030_Formulir-Persetujuan-Publikasi-Karya-Ilmiah.pdf | 1 | |
| 8. | 2026_SK_SMJ_022002201030_Bab-1.pdf | 17 | |
| 9. | 2026_SK_SMJ_022002201030_Bab-2.pdf | 31 |
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| 10. | 2026_SK_SMJ_022002201030_Bab-3.pdf | 13 |
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| 11. | 2026_SK_SMJ_022002201030_Bab-4.pdf | 13 |
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| 12. | 2026_SK_SMJ_022002201030_Bab-5.pdf | 4 | |
| 13. | 2026_SK_SMJ_022002201030_Daftar-Pustaka.pdf | 18 | |
| 14. | 2026_SK_SMJ_022002201030_Lampiran.pdf | 24 |
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P Penelitian ini menganalisis pengaruh risiko (credit risk, liquidity risk, operational risk), karakteristik perbankan (dana pihak ketiga dan capital adequacy ratio) serta makroekonomi (gross domestic product dan inflation) terhadap kinerja keuangan bank komersial yang terdaftar di bursa efek indonesia, dengan kinerja keuangan diukur menggunakan return on assets. jumlah sampel penelitian ini adalah 41 bank selama periode 2020-2024 yang ditentukan menggunakan metode purposive sampling. analisis data dilakukan menggunakan regresi data panel yang diolah dengan software eviews 9. hasil penelitian menunjukkan credit risk, operational risk dan inflation berpengaruh negatif signifikan terhadap kinerja keuangan, liquidity risk dan gross domestic product berpengaruh positif, sementara itu dana pihak ketiga dan capital adequacy ratio tidak berpengaruh terhadap kinerja keuangan. hasil penelitian ini diharapkan dapat memberikan wawasan bagi manajer bank dalam menerapkan pengelolaan risiko yang terintegrasi serta menyesuaikan strategi dengan kondisi makroekonomi guna mencapai kinerja keuangan yang optimal, sekaligus menjadi bahan pertimbangan bagi investor dalam pengambilan keputusan investasi jangka panjang.
T This study analyzes the impact of risk (credit risk, liquidity risk, and operational risk), banking characteristics (third-party funds and capital adequacy ratio), and macroeconomic factors (gross domestic product and inflation) on the financial performance of commercial banks listed on the indonesia stock exchange. financial performance is measured using return on assets. the sample consists of 41 banks observed during the 2020–2024 period, selected using a purposive sampling method. data analysis is conducted using panel data regression processed with eviews 9 software. the results indicate that credit risk, operational risk, and inflation have a significant negative effect on financial performance, while liquidity risk and gross domestic product have a positive effect. meanwhile, third-party funds and the capital adequacy ratio have no significant effect on financial performance. these findings are expected to provide insights for bank managers in implementing integrated risk management and adapting strategies to macroeconomic conditions in order to achieve optimal financial performance, as well as to assist investors in making long-term investment decisions.