ANALISIS TINGKAT RISIKO TERHADAP KINERJA KEUANGAN BANK
(Studi pada Bank Pembangunan Daerah di Indonesia tahun 2020-2022)
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Institusion
Sekolah Tinggi Ilmu Ekonomi Bank Bpd Jawa Tengah
Author
Maulana, Rafli Azami
Subject
H Social Sciences (General)
Datestamp
2023-09-06 06:32:42
Abstract :
The banking industry is a financial sector that has an important role in a country's economy. Banking performance, especially profitability, is needed to assess changes in potential controlled economic resources in the future by implementing various management systems that act as important instruments in measuring a bank's financial performance. the company realizes that there must be a truly quality system in order to achieve maximum profitability, one of which is by implementing risk management. This research was conducted to analyze the level of risk in influencing the financial performance of banks with the object of research being Regional Development Banks in Indonesia for the 2020-2022 period. In this study using a quantitative approach to data collection techniques using secondary data. The scale of data measurement with a ratio scale. The results of this study indicate that Non Performing Loans (NPL) have a negative and significant effect on Return on Assets (ROA), Net Interest Margin (NIM) has a positive and significant effect on Return on Assets (ROA) and Loans to Deposit Ratio (LDR). positive and insignificant effect on Return on Assets (ROA).
The banking industry is a financial sector that has an important role in a country's economy. Banking performance, especially profitability, is needed to assess changes in potential controlled economic resources in the future by implementing various management systems that act as important instruments in measuring a bank's financial performance. the company realizes that there must be a truly quality system in order to achieve maximum profitability, one of which is by implementing risk management. This research was conducted to analyze the level of risk in influencing the financial performance of banks with the object of research being Regional Development Banks in Indonesia for the 2020-2022 period. In this study using a quantitative approach to data collection techniques using secondary data. The scale of data measurement with a ratio scale. The results of this study indicate that Non Performing Loans (NPL) have a negative and significant effect on Return on Assets (ROA), Net Interest Margin (NIM) has a positive and significant effect on Return on Assets (ROA) and Loans to Deposit Ratio (LDR). positive and insignificant effect on Return on Assets (ROA).
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