PENGARUH RISIKO USAHA TERHADAP RETURN ON ASSET ( ROA ) PADA BANK - BANK PEMERINTAH
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
ASTERLITA, ARINDA
Subject
332.12 - BANKS & BANKING
Datestamp
2017-12-13 06:50:11
Abstract :
The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, FBIR and BOPO simultaneously and partially have significant influence toward ROA on State Owned Bank. Population were the State Owned Bank. Sampling technique is purposive sampling so that the selected Bank were, PT Bank Negara Indonesia, Tbk, PT Bank Rakyat Indonesia, Tbk, PT Bank Tabungan Negara, Tbk and PT Bank Mandiri, Tbk. Data collected by the methods of documentation, the datas are taken from published financial report of State Owned Bank. Analysis were perfomed by linier regression analysis technique. The results of this study simultaneous liquidity risk, credit risk, market risk, and operational risk significant effect on the Return on Assets (ROA). Liquidity risk as measured by LDR and IPR is not significant negative effect on ROA. Credit risk as measured by NPL and APB showed that NPL significant negative effect, whereas APB is not significant negative effect on ROA. Market risk as measured by IRRanda PDN is significant positive effect on ROA. Operational risk as measured by FBIR and BOPOshowed that FBIRis not significant positive effect, whereas BOPO significant negative effect on ROA. Keywords: Liquidity Risk, Credit Risk, Market Risk, Operational risk and Return On Assets
The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, FBIR and BOPO simultaneously and partially have significant influence toward ROA on State Owned Bank. Population were the State Owned Bank. Sampling technique is purposive sampling so that the selected Bank were, PT Bank Negara Indonesia, Tbk, PT Bank Rakyat Indonesia, Tbk, PT Bank Tabungan Negara, Tbk and PT Bank Mandiri, Tbk. Data collected by the methods of documentation, the datas are taken from published financial report of State Owned Bank. Analysis were perfomed by linier regression analysis technique. The results of this study simultaneous liquidity risk, credit risk, market risk, and operational risk significant effect on the Return on Assets (ROA). Liquidity risk as measured by LDR and IPR is not significant negative effect on ROA. Credit risk as measured by NPL and APB showed that NPL significant negative effect, whereas APB is not significant negative effect on ROA. Market risk as measured by IRRanda PDN is significant positive effect on ROA. Operational risk as measured by FBIR and BOPOshowed that FBIRis not significant positive effect, whereas BOPO significant negative effect on ROA. Keywords: Liquidity Risk, Credit Risk, Market Risk, Operational risk and Return On Assets
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