Pengaruh Risiko Kredit, Risiko Likuiditas, Permodalan, Efisiensi dan PDRB terhadap Profitabilitas Bank Pembangunan Daerah (BPD) Konvensional
Tahun 2015-2019
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Institusion
STIE Indonesia Banking School
Author
Wijayanti, Christina
Subject
HG Finance
Datestamp
2022-04-07 08:13:54
Abstract :
This research was conducted to test the effect of Credit Risk, Liquidity Risk, Efficiency, Capital on Profitability and PDRB (Product Domestic Regional Brutto) with the dependent variable Return On Asset (ROA). The sampling technique used was purposive sampling of Conventional Regional Development Banks (BPD) in Indonesia with criteria that present financial reports for the 2015-2019 period. The data analysis technique used is the fixedeffect panel data regression model. The BOPO and PDRB variables are the ratios that have the most significant effect on the return on assets (ROA) because each increase in the BOPO ratio has a negative effect on the decrease in the value of ROA and LDR has a positive effect on the increase in the ratio of the ROA value. The NPL, LDR and CAR ratio?s do not significantly influence the ROA of Regional Development Banks.
This research was conducted to test the effect of Credit Risk, Liquidity Risk, Efficiency, Capital on Profitability and PDRB (Product Domestic Regional Brutto) with the dependent variable Return On Asset (ROA). The sampling technique used was purposive sampling of Conventional Regional Development Banks (BPD) in Indonesia with criteria that present financial reports for the 2015-2019 period. The data analysis technique used is the fixedeffect panel data regression model. The BOPO and PDRB variables are the ratios that have the most significant effect on the return on assets (ROA) because each increase in the BOPO ratio has a negative effect on the decrease in the value of ROA and LDR has a positive effect on the increase in the ratio of the ROA value. The NPL, LDR and CAR ratio?s do not significantly influence the ROA of Regional Development Banks.
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