OPTIMALISASI PROFITABILITAS PERBANKAN MELALUI PENGELOLAAN KECUKUPAN MODAL DAN LIKUIDITAS SERTA RISIKO KREDIT
Abstract
As an intermediary institution, Bank’s function is to receive and distribute funds and involve on other financial transactions. In facing competition in the banking industry, bank should have a stable and increase their performance. One measure of achieving bank performance is profitability. Profitability is the company's ability to generate profits. The purpose of this study is to analyze the optimization of bank profitability through managing capital adequacy and liquidity and credit risk. This study examines one of microfinance institution, which is called BPR. The population of this study are 136 BPR in Bali. With the purposive sampling method a sample consist of 39 companies. This study uses secondary data from BPR financial statements and analyze with Path Analysis. The results of the research found, (1) Capital Adequacy has a positive and significant effect on profitability, (2) Liquidity has a positive and significant effect on profitability, (3) Credit risk has a negative and significant effect on profitability, (4) Capital Adequacy has a positive and significant effect on Credit Risk, (5) Liquidity has a negative and insignificant effect on Credit Risk, (6) Credit Risk is not able to mediate capital adequacy to the value of Profitability (7) Credit Risk does not mediate liquidity towards Profitability
References
Aprillya, A., Effendi, R., dan Artina, N. (2017). Analisis Pengaruh Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), dan Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA) pada Bank BUMN yang terdaftar di BEI perode tahun 2012 – 2016. MDP Eprint 2320.
Darmawi, H. (2011). Manajemen Perbankan (2nd ed.). Padang: Bumi Aksara.
Dendawijaya, L. (2009). Manajemen Perbankan. Jakarta: Ghalia Indonesia.
Fahmi, I. (2013). Analisis Laporan Keuangan. Bandung: Alfabeta.
Ghozali, I. (2011). Aplikasi Analisis Multivariate dengan program SPSS. Semarang: Badan Penerbit Universitas Diponogoro.
Harahap, S. S. (2009). Teori Kritis Laporan Keuangan. Bumi Aksara.
Kasmir. (2014). Bank dan Lembaga Keuangan Lainnya. Raja Grafindo Persada.
Kossoh, Andreina Maria ; Mangantar, Maryam dan Ogi, I. W. J. (2017). Pengaruh Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) terhadap Profitabilitas pada Bank Pembangunan Daerah (BPD) Se-Indonesia tahun 2011-2015. Jurnal EMBA, 5(2).
Morshedur, R.M. Hamid, K. & Khan, A. M. (2015). Determinants of Bank Profitability. Emperical Evidence from Bangladesh. International Journal of Bisnis and Management, 8.
Munawir. (2012). Analisis Informasi Keuangan (Liberty (Ed.)).
Muratbek, D. (2017). Determinants Of Non-Performing Loans in Kazakhstan. Doctoral Dissertation. Nazarbayev University, School Of Humanities And Social Sciences.
Octaviana, S. (2017). Pengaruh Likuiditas dan Kecukupan Modal terhadap Profitabilitas dengan Risiko Kredit Sebagai Variabel Intervening Pada Bank Devisa. Fakultas Ekonomi Universitas Islam Sultan Agung.
Peling, I. A. A. & I. B. P. S. (2018). Pengaruh LDR, NPL dan BOPO terhadap Profitabilitas pada PT BPD Bali periode tahun 2009-2016. E-Jurnal Manajemen Unud, 1(7).
Putra, M. A. P. (2015). Pengaruh Suku Bunga Kredit, Inflasi, BOPO dan LDR terhadap NPL pada Bank Umum Konvensional di Indonesia tahun 2005-2014. Universitas Tanjungpura.
Rahman, M. M., M. K. H. dan M. A. M. K. (2015). Determinans of Bank Profitability: Emperical Evidence from Bangladesh. International Journal of Economics, Finance and Manajement. International Journal of Economics, Finance and Manajement, 10(8).
Rudhani, Leonara H., Ahmeti, S., R. T. (2016). The impact of internal factors on bank profitability in Kosovo. Acta Universitatis Danubius. 12(1).
Simbolon, T. dan P. I. D. (2017). Analisis Pengaruh Size, Equity Asset Ratio (EAR), NIM, LDR, NPL, dan Biaya Operasi terhadap Profitabilitas Bank. Journal of Management, 6(3).
Sudirman, I. W. (2013). Manajemen Perbankan Menuju Bankir Konvensional yang Profesional, Edisi Pertama. Kencana Prenada Media Group.
Tantomo, H. dan H. S. (2012). Pengaruh CAR, NPL, DPK dan ROA Terhadap LDR Perbankan Indonesia. Jurnal Darma Ekonomi.
Wiwoho, J. (2014). Peran Lembanga Keuangan Bank dan Lembaga Keuangan Bukan Bank dalam Memberikan Distribusi Keadlian Bagi Masyarakat. MMH.
Abstract viewed = 549 times
PDF (Bahasa Indonesia) downloaded = 778 times
