Pengaruh Risiko Kredit dan Risiko Operasional terhadap Profitabilitas pada Perusahaan Bank Tabungan Negara Periode 2016-2020
DOI:
https://doi.org/10.30588/jmp.v14i1.960Keywords:
Risiko Kredit, Risiko Operasional, Profitabilitas.Abstract
This study aims to determine the impact either at the same time or somewhat between credit risk (NPL) and operational hazard (BOPO) on profitability (ROA) in the State Savings Bank listed on the Indonesia Stock Exchange for the 2016-2020 period. The sample in this research is one banking company. The research method used is a saturated sampling technique. The logical strategy used is various direct relapse examinations using the SPSS program. The results of this study are that simultaneously credit risk (NPL) and operational risk (BOPO) have a large and significant result on productivity (ROA) at the State Savings Bank for the 2016-2020. Partially, the research results on the credit risk variable (NPL) do not have a critical impact and have a negative relationship to profitability (ROA) at the State Savings Bank for 2016-2020 period. Partially, the results of testing the operational risk variable (NPL) have no major impact and have a negative relationship to Profitability (ROA) at the State Savings Bank for the 2016-2020.
References
Afifah, T. Y. N. (2021). Pengaruh Dana Pihak Ketiga, Risiko Kredit, Risiko Pasar, dan Risiko Operasional terhadap Pritabilitas pada Perbankan Syariah di Indonesia Periode 2017-2020. Skripsi, Universitas Pancasakti Tegal.
Ariasih, N. N. P., Utama, I. M. S., & Wirathi, I. G. A. P. (2010). Pengaruh Jumlah Penduduk dan PDRB Per Kapita Kemandirian Keuangan Daerah Provinsi Bali.
Darmawi, H. (2011). Manajemen Perbankan. Bumi Aksara.
Dayana, P., & Untu, V. N. (2019). Analisis Risiko Pasar, Risiko Kredit, Risiko Operasional dan Kecukupan Modal terhadap Kinerja Keuangan Bank Pembangunan Daerah se-Indonesia Periode 2012-2017. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 7(3), 3798–3807. https://doi.org/10.35794/emba.v7i3.24879
Fahmi, I. (2016). Pengantar Manajemen Keuangan. CV Alfabeta.
Fitri, A. D. (2016). Pengaruh Risiko Pasar, Risiko Kredit dan Risiko Operasional Terhadap Kinerja Keuangan Perbankan Studi Empiris pada Perusahaan Perbankan yang Terdaftar di BEI Tahun 2010-2015. Jurnal Ilmiah Mahasiswa. Universitas Negeri Padang.
Idroes, F. N. (2011). Manajemen Risiko Perbankan. PT Raja Grafindo Persada.
Ismail, I. (2019). Akuntansi Perbankan. Surabaya. Kencana Prenada Media Group.
Jahrotunnupus, N., & Manda, G. S. (2021). Analisis Pengaruh Risiko Kredit, Risiko Pasar dan Risiko Operasional Terhadap Profitabilitas pada Bank Umum BUMN yang Terdaftar di BEI Periode 2013-2020. Eksis: Jurnal Ilmiah Ekonomi dan Bisnis, 12(2), 157–163. https://doi.org/10.33087/eksis.v12i2.265
Kasmir, K. (2013). Analisis Laporan Keuangan. PT Raja Grafindo Persada.
Maria, A. (2015). Pengaruh CAR, BOPO, NIM, NPL, dan LDR terhadap ROA Studi Kasus pada 10 Bank Terbaik di Indonesia. Calyptra: Jurnal Ilmiah Mahasiswa Universitas Surabaya, 4(1), 1-19.
Peraturan Bank Indonesia No.13/3/PBI/2011.
Purba, S. R. (2021). Pengaruh Risiko Kredit, Risiko Liquiditas,Risiko Oprasional dan Dana Pihak Ketiga Terhadap Profitabilitas Perusahaan Perbankan (Studi Kasus Perusahaan Sektor Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2015-2019). Skripsi, STIE YKPN.
Rivai, V., Basir, S., Sudarto, S., & Veithzal, A. P. (2013). Commercial Bank Management. Rajawali Pers.
Sante, Z. V., Murni, S., & Tulung, J. E. (2021). Pengaruh Risiko Kredit ,Risiko Liquiditas, dan Risiko Operasional terhadap Profitabilitas Perusahaan Perbankan yang Terdaftar di LQ45, Buku III dan Buku IV Periode 2017-2019. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 9(3), 1451-1462. https://doi.org/10.35794/emba.v9i3.35784
Suryaningsih, N. P. R., & Sudirman, I. M. S. N. (2020). The Influence of Credit Risk, Liquidity Risk, and Operational Risk on Profitability in Rural Banks in Bali Province. American Journal of Humanities and Social Sciences Research (AJHSSR), 4(3), 258-265.
Surat Edaran Bank Indonesia No. 13/24/DPNP tanggal 25 Oktober 2011.
Sukma, N., Saerang, I. S., & Tulung, J. E. (2019). Pengaruh Dana Pihak Ketiga, Risiko Kredit, Risiko Pasar dan Risiko Operasional terhadap Profitabilitas pada Bank Kategori Buku 2 Periode 2014-2017. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi, 7(3), 2751–2760. https://doi.org/10.35794/emba.v7i3.23739
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Tanti Purwanti, Gusganda Suria Manda
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with Jurnal Maksipreneur agree to the following terms:
Authors retain copyright and grant the Jurnal Maksipreneur right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgment of the work's authorship and initial publication in Jurnal Maksipreneur.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in Jurnal Maksipreneur. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
