PENGARUH RISIKO KREDIT, RENTABILITAS, DAN PERMODALAN TERHADAP PERTUMBUHAN LABA PADA BANK SWASTA NASIONAL YANG TERDAFTAR DI OTORITAS JASA KEUANGAN TAHUN 2016-2018

WARDANI, DAYANTI WISNU (2019) PENGARUH RISIKO KREDIT, RENTABILITAS, DAN PERMODALAN TERHADAP PERTUMBUHAN LABA PADA BANK SWASTA NASIONAL YANG TERDAFTAR DI OTORITAS JASA KEUANGAN TAHUN 2016-2018. S1 thesis, Fakultas Ekonomi.

	Text Cover.pdf Download (1MB)
	Text Table_Of_Content.pdf Download (2MB)
	Text Chapter1.pdf Download (228kB)
	Text Chapter2.pdf Restricted to Repository staff only Download (628kB)
	Text Chapter3.pdf Download (509kB)
	Text Chapter4.pdf Restricted to Repository staff only Download (941kB)
	Text Chapter5.pdf Download (202kB)
	Text Bibliography.pdf Download (318kB)

Abstract

DAYANTI WISNU WARDANI. Effects of Credit Risk, Profitability , and Capital on Profit Growth at National Private Banks Registered in the Financial Services Authority in 2016-2018. Thesis, Jakarta. Economic Education Study Program. Faculty of Economics, Jakarta State University. 2019. This study aims to obtain information about the effect of credit risk (Non-Performing Loans) , profitability (Operating Costs to Operating Income) and capital (Capital Adequacy Ratio) on profit growth registered with the financial services authority in 2016-2018, both partially and simultaneous. The research method used in this study uses quantitative methods with descriptive analysis. The data analysis technique used is the analysis requirements test, the regression equation test and the hypothesis test. The sampling technique uses random sampling, that is 48 national private banks. The requirements test results show that the data are normally distributed with the results of the multiple regression equation Ŷ = 2.736 - 0.308X1 - 0.024X2 + 0.007X3. The results of data analysis show that credit risk, profitability , and capital simultaneously affect earnings growth, where f arithmetic 7.167> f tables 2 , 82 . The partial results of capital have no effect on profit growth, where t arithmetic 0.663 smaller than t table 2.028. While credit risk and profitability have a significant negative effect on earnings growth, where for the results of t calculate credit risk is greater than t table (2.067> 2.028) and t calculate profitability is greater than t table (2.901> 2.028). Capabilities include credit risk, profitability and capital explain the profit growth of 32 , 8 %. From the above results, it can be concluded partially if the higher credit risk and profitability owned by a bank it would lower the growth rate of income earned so banks need to keep the ratio of nonperforming loans and reducing operating expenses so that operating income could add banking earnings. Conversely, the lower the level of credit risk and profitability owned by a bank then will the higher the growth rate of income earned. Keywords : Profit Growth, Credit Risk, Profitability , Capital, Private Bank.

Actions (login required)

View Item