Pengaruh resiko kredit terhadap kinerja keuangan 10 bank dengan aset terbesar di Indonesia tahun 2017-2020

Wulandari, Angel Permata (2022) Pengaruh resiko kredit terhadap kinerja keuangan 10 bank dengan aset terbesar di Indonesia tahun 2017-2020. Bachelor (S1) thesis, Wijaya Kusuma Surabaya University.

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Abstract

ABSTRAKSI Perkembangan sistem perekonomian Indonesia didukung oleh berbagai sektor ekonomi salah satunya sektor keuangan yang terbagi menjadi lembaga keuangan bank dan non-bank seperti asuransi, pegadaian, dana pensiun, dan sebagainya. Sektor-sektor keuangan ini membantu peningkatan produktivitas perekonomian serta memberikan banyak kemudahan terutama dalam bidang investasi dan pembiayaan. Krisis moneter yang terjadi antara tahun 1997-1998 memberikan banyak hambatan di sektor-sektor perekonomian yang mengakibatkan penurunan finansial pada banyak pihak, terutama di sektor perbankan yang menemui hambatan penurunan kemampuan debitur dalam memenuhi kewajiban kreditnya sehingga tidak sesuai dengan kesepakatan di awal perjanjian kredit permodalan Resiko kredit perbankan sangat mempengaruhi kemampuan atau kinerja keuangannya, sebab semakin rendah rasio resiko kredit maka laba perbankan semakin tinggi, tentunya memberikan nilai positif pada return perbankan, sehingga penelitian lanjutan untuk mengetahui perubahan resiko kredit pada 10 bank yang memiliki aset terbesar di Indonesia sejak 2017 hingga 2020. Penelitian ini menggunakan sampel diambil dengan teknik purposive sampling atau dengan kriteria tertentu yaitu 10 bank dengan aset terbesar selama tahun 2020, sehingga dapat dikatakan bahwa jumlah sampel yang digunakan sebanyak = 4 tahun x 10 bank = 40 sampel, sehingga hasil yang diperoleh adalah NPL berpengaruh negatif dan signifikan terhadap Kinerja Keuangan, sedangkan LDR tidak berpengaruh signifikan terhadap Kinerja Keuangan pada 10 bank dengan aset terbesar di Indonesia tahun 2017-2020. Kata Kunci: Resiko Kredit, Non Performing Loan, Loan to Deposit Ratio, Kinerja Keuangan --------------------------------------------------------------------------------- ABSTRACT The development of the Indonesian economic system is supported by various economic sectors, one of which is the financial sector which is divided into bank and non-bank financial institutions such as insurance, pawnshops, pension funds, and so on. These financial sectors help increase the productivity of the economy and provide many conveniences, especially in the areas of investment and financing. The monetary crisis that occurred between 1997-1998 provided many obstacles in the economic sectors which resulted in a financial decline for many parties, especially in the banking sector which encountered obstacles to a decrease in the ability of debtors to fulfill their credit obligations so that they were not in accordance with the agreement at the beginning of the capital credit agreement. Banking credit greatly affects the ability or financial performance, because the lower the credit risk ratio, the higher the bank's profit, of course, giving a positive value to banking returns, so further research is carried out to determine changes in credit risk in 10 banks that have the largest assets in Indonesia from 2017 to 2020 This study uses samples taken by purposive sampling technique or with certain criteria, namely 10 banks with the largest assets during 2020, so it can be said that the number of samples used is = 4 years x 10 banks = 40 samples, so the results obtained are: g obtained is that NPL has a negative and significant effect on Financial Performance, while LDR has no significant effect on Financial Performance in the 10 banks with the largest assets in Indonesia in 2017-2020. Keywords: Credit Risk, Non Performing Loan, Loan to Deposit Ratio, Financial Performance

Item Type:	Thesis (Bachelor (S1))
Uncontrolled Keywords:	Kata Kunci: Resiko Kredit, Non Performing Loan, Loan to Deposit Ratio, Kinerja Keuangan. --------------------------------------------------------------------------------- Keywords: Credit Risk, Non Performing Loan, Loan to Deposit Ratio, Financial Performance
Subjects:	H Social Sciences > HG Finance H Social Sciences > HJ Public Finance
Divisions:	Faculty of Economic and Business > Development Economics Study Program
Depositing User:	Angel Permata Wulandari
Date Deposited:	01 Sep 2022 01:33
Last Modified:	01 Sep 2022 01:33
URI:	http://erepository.uwks.ac.id/id/eprint/12165

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