Pengaruh Risiko Kredit dan Risiko Likuiditas terhadap Kinerja Keuangan pada Bank BUMN Periode 2015-2020

Authors

  • Ragil Noviantika Silitonga Universitas Singaperbangsa Karawang, Karawang, West Java
  • Gusganda Suria Manda Univeritas Singaperbangsa Karawang, Karawang, West Java

DOI:

https://doi.org/10.30588/jmp.v12i1.948

Keywords:

Credit risk, Financial performance, Liquidity risk, Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL)

Abstract

This review intends to look at and investigate credit hazard (NPL) and liquidity hazard (LDR) on monetary execution (ROA) at state-claimed banks for the 2015-2020 period. The sample in this research was four state-owned corporations, namely Bank BRI, Bank BNI, Bank BTN, and Bank Mandiri. This exploration utilizes numerous direct relapse investigation strategies utilizing SPSS 20 program. The free factors in this review are credit hazard which is proxied by Non-Performing Advances (NPL) and liquidity hazard which is proxied by Advance to Stores Proportion (LDR), and the reliant variable in this review is the bank's monetary execution as estimated by Return on Resources (ROA). The results showed that the partial effect credit hazard factors (NPL) have a negative and huge impact on monetary execution (ROA) at state-possessed banks for the 2015-2020 period, and somewhat the liquidity hazard variable (LDR) has a positive and unimportant impact on monetary execution (ROA) at banks. BUMN for the 2015-2020 period. At the same time, the credit hazard (NPL) and liquidity hazard (LDR) factors significantly affect the monetary exhibition (ROA) of state-claimed banks for the 2015-2020 period.

Author Biographies

Ragil Noviantika Silitonga, Universitas Singaperbangsa Karawang, Karawang, West Java

Management Department

Gusganda Suria Manda, Univeritas Singaperbangsa Karawang, Karawang, West Java

Management Department

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Published

2022-04-21

How to Cite

Silitonga, R. N., & Manda, G. S. (2022). Pengaruh Risiko Kredit dan Risiko Likuiditas terhadap Kinerja Keuangan pada Bank BUMN Periode 2015-2020. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 12(1), 22–32. https://doi.org/10.30588/jmp.v12i1.948

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