Analisis Pengaruh Risiko Likuiditas, Risiko Kredit, Dan Efisiensi Operasional Terhadap Profitabilitas Bank Umum Yang Terdaftar Di Bursa Efek Indonesia Periode 2009-2013
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Institusion
STIE Indonesia Banking School
Author
Arienandana, Mohammad
Subject
HF5601 Accounting
Datestamp
2024-07-16 01:32:31
Abstract :
The objectives of this research is to analyze the influence of Loan to Deposit Ratio (LDR) as a proxy of liquidity risk, Bad Debt Ratio (BDR) as a proxy of credit risk, and Operating Expense/Operating Income ratio (BOPO) as a proxy of operational efficiency to Economic Value Added (EVA) which is as a proxy of banking firms? profitability which listed on BEI in 2009 until 2013 periods. Data used in this research were obtained from bank?s annual report. The number of sample for this research is 28 banks. Analyze technique used for this research is multiple linier regression The result of this research shows that LDR variable has a positive and significant influence to EVA. BDR has a negative and significant influence to EVA. Meanwhile, BOPO has a negative but didn?t have a significant influence to EVA Keywords: Loan to Deposit Ratio (LDR), Bad Debt Ratio (BDR), Operating Expense/Operating Income ratio (BOPO), Economic Value Added (EVA), profitability
The objectives of this research is to analyze the influence of Loan to Deposit Ratio (LDR) as a proxy of liquidity risk, Bad Debt Ratio (BDR) as a proxy of credit risk, and Operating Expense/Operating Income ratio (BOPO) as a proxy of operational efficiency to Economic Value Added (EVA) which is as a proxy of banking firms? profitability which listed on BEI in 2009 until 2013 periods. Data used in this research were obtained from bank?s annual report. The number of sample for this research is 28 banks. Analyze technique used for this research is multiple linier regression The result of this research shows that LDR variable has a positive and significant influence to EVA. BDR has a negative and significant influence to EVA. Meanwhile, BOPO has a negative but didn?t have a significant influence to EVA Keywords: Loan to Deposit Ratio (LDR), Bad Debt Ratio (BDR), Operating Expense/Operating Income ratio (BOPO), Economic Value Added (EVA), profitability
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