Pengaruh Risiko Usaha Terhadap Permodalan pada Bank Pemerintah
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Institusion

Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya

Author

Syah, Bagus Ridho Firman

Subject

658 - GENERAL MANAGEMENT 

Datestamp

2024-04-19 01:22:17 

Abstract :
The purpose of this study is to analyze the effect of business risk on capital as measures by using CAR. The components of business risk used in this study consist of liquidity risk, credit risk, market risk, and operational risk. Liquidity risk is measured usimg the Loan to Deposits Ratio (LDR), Loan to Asset Ratio (LAR) and Investing policy ratio (IPR). Credit risk is measured by the ratio of Non Performing Loans (NPL) and Non-Performing Earning Assets (APB). Market risk is measured using the Interest risk ratio (IRR) and net open position (PDN). Operational risk is measured by operating income operating expenses (BOPO) and Fee based income ratio (FBIR). The sample used in this study is state-owned banks from the first quarter of 2017 to the second quarter of 2022. The analytical technique used is multiple linear regression analysis using SPSS 16. The conclusions in this study are LDR, LAR, IPR, NPL, APB, IRR , PDN, BOPO and FBIR simultaneously have a significant effect on CAR. LDR, IPR, BOPO, FBIR partially have a significant negative effect on CAR. The ratio of LAR, APB, and PDN partially has no significant negative effect on CAR. IRR and NPL ratios partially have a significant positive effect on CAR. 

File :
A R T I K E L I L M I A H.pdf
C O V E R.pdf
B A B I.pdf
B A B I I.pdf
B A B I I I.pdf
B A B I V.pdf
B A B V.pdf
L A M P I R A N_compressed.pdf