PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS, KECUKUPAN MODAL DAN EFISIENSI OPERASIONAL TERHADAP KINERJA KEUANGAN BANK
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Institusion
STIE Indonesia Banking School
Author
Rifkasari, Tiara Safina
Subject
HF5601 Accounting
Datestamp
2022-10-23 12:51:30
Abstract :
This study aims to determine the effect of credit risk, capital adequacy, liquidity risk and operational efficiency on banking financial performance. This study uses conventional commercial banks in Indonesia for the 2016-2020 research period as objects in this research observation. This study used 39 conventional banks as samples and used purposive sampling method. The analysis used in this study applies the method of multiple linear regression analysis with two proxies for measuring financial performance, namely Return On Assets and Net Interest Margin (NIM). The results of this study indicate that credit risk has no effect on financial performance either by measuring the ROA or NIM ratios, but during the pandemic credit risk has a significant negative effect on financial performance as measured by ROA and has no effect when financial performance is measured using NIM. Capital adequacy has a positive effect if financial performance is measured using the ROA proxy and has no effect if financial performance is measured using the NIM proxy, during the covid-19 pandemic capital adequacy has no effect on financial performance. Liquidity risk has no effect on financial performance, whether measured using ROA or NIM, and during the COVID-19 pandemic, liquidity risk has no effect on financial performance. Operational efficiency has a significant negative effect on financial performance both measured using ROA and NIM both before the covid-19 pandemic and during the covid-19 pandemic
This study aims to determine the effect of credit risk, capital adequacy, liquidity risk and operational efficiency on banking financial performance. This study uses conventional commercial banks in Indonesia for the 2016-2020 research period as objects in this research observation. This study used 39 conventional banks as samples and used purposive sampling method. The analysis used in this study applies the method of multiple linear regression analysis with two proxies for measuring financial performance, namely Return On Assets and Net Interest Margin (NIM). The results of this study indicate that credit risk has no effect on financial performance either by measuring the ROA or NIM ratios, but during the pandemic credit risk has a significant negative effect on financial performance as measured by ROA and has no effect when financial performance is measured using NIM. Capital adequacy has a positive effect if financial performance is measured using the ROA proxy and has no effect if financial performance is measured using the NIM proxy, during the covid-19 pandemic capital adequacy has no effect on financial performance. Liquidity risk has no effect on financial performance, whether measured using ROA or NIM, and during the COVID-19 pandemic, liquidity risk has no effect on financial performance. Operational efficiency has a significant negative effect on financial performance both measured using ROA and NIM both before the covid-19 pandemic and during the covid-19 pandemic
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