STUDI TENTANG EFISIENSI, PROFITABILITAS, DAN
RISIKO KREDIT PERBANKAN BERBASIS
GOOD CORPORATE GOVERNANCE
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
MELINDA, RIA
Subject
658.88 - CREDIT MANAGEMENT
Datestamp
2016-07-22 12:04:44
Abstract :
In this study tested how much influence component of Good Corporate Governance include: the size of the board of directors, independent directors, audit committee and transparency to the efficiency, profitability, and credit risk in commercial banks that have been listed on the Indonesia Stock Exchange (BEI) in the period 2010 to 2014 with total sample of 29 banks. The data used is secondary data taken from annual reports of each bank. Measurement of the efficiency with OER, profitability measured by ROA, and credit risk is measured by NPL. As for GCG components, board size was measured by using the number of commissioners, independent board composition was measured by internal commissioner to the total number of the board of directors, the audit committee is measured by the number of audit committee members, and transparency is measured by the frequency of board meetings. Techniques of analysis using the analysis of Multiple Regression Analysis (MRA) were processed using SPSS software. The results of this study prove that GCG significant effect on efficiency, profitability, and credit risks in the banking, however partially, GCG variables affecting the efficiency, profitability, and credit risk at different banks. The GCG variables that significantly influence the efficiency and profitability is the board size, and transparency. While the GCG variables that significantly influence the credit risk is the size of the board of directors and audit committee. When viewed from the value of the regression model adjusted R2 of the most good is the second model in which GCG effect on profitability. The implication of this, in order to improve the profitability of commercial banks should improve its governance. keywords: Good Corporate Governance, Operating Efficiency Ratio, Return On Asset, Non Performing Loan
In this study tested how much influence component of Good Corporate Governance include: the size of the board of directors, independent directors, audit committee and transparency to the efficiency, profitability, and credit risk in commercial banks that have been listed on the Indonesia Stock Exchange (BEI) in the period 2010 to 2014 with total sample of 29 banks. The data used is secondary data taken from annual reports of each bank. Measurement of the efficiency with OER, profitability measured by ROA, and credit risk is measured by NPL. As for GCG components, board size was measured by using the number of commissioners, independent board composition was measured by internal commissioner to the total number of the board of directors, the audit committee is measured by the number of audit committee members, and transparency is measured by the frequency of board meetings. Techniques of analysis using the analysis of Multiple Regression Analysis (MRA) were processed using SPSS software. The results of this study prove that GCG significant effect on efficiency, profitability, and credit risks in the banking, however partially, GCG variables affecting the efficiency, profitability, and credit risk at different banks. The GCG variables that significantly influence the efficiency and profitability is the board size, and transparency. While the GCG variables that significantly influence the credit risk is the size of the board of directors and audit committee. When viewed from the value of the regression model adjusted R2 of the most good is the second model in which GCG effect on profitability. The implication of this, in order to improve the profitability of commercial banks should improve its governance. keywords: Good Corporate Governance, Operating Efficiency Ratio, Return On Asset, Non Performing Loan
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