ANGGARAINI, GALIH RAVITA NUR (2021) PENGARUH RISIKO KREDIT, RISIKO TINGKAT SUKU BUNGA DAN RISIKO BIAYA OPERASIONAL PADA PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA. S1 thesis, Universitas Mercu Buana Jakarta-Menteng.
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Abstract
This study aims to analyze the effect of credit risk, interest rate risk and operational cost risk on operating income on profitability. The ratios used in this study include: Non Performing Loans (NPL), Net Interest Margin (NIM), Operating Costs on Operating Income (BOPO) and Return On Assets (ROA) in banking companies in 2018-2020 as many as 38 banking companies. The data used in this study is secondary data obtained from the Indonesia Stock Exchange (IDX) website. Data analysis was performed using panel data regression analysis. The results of this study indicate that Non Performing Loans (NPL) have a negative effect on Return On Assets (ROA), Net Interest Margin (NIM) has a positive effect on Return On Assets (ROA), Operating Costs on Operating Income (BOPO) have a negative effect on Return On Assets (ROA). Keywords: Non Performing Loans (NPL), Net Interest Margin (NIM), Operating Costs on Operating Income (BOPO) and Return On Assets (ROA) Penelitian ini bertujuan untuk menganalisis mengenai pengaruh risiko kredit, risiko tingkat suku bunga dan risiko biaya operasional pada pendapatan operasional terhadap profitabilitas. Rasio yang digunakan dalam penelitian ini antara lain : Non Performing Loans (NPL), Net Interest Margin (NIM), Biaya Operasional pada Pendapatan Operasional (BOPO) dan Return On Assets (ROA) pada perusahaan perbankan tahun 2018-2020 sebanyak 38 perusahaan perbankan. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari website Bursa Efek Indonesia (BEI). Analisis data dilakukan dengan menggunakan analisis regresi data panel. Hasil penelitian ini menunjukkan bahwa Non Performing Loans (NPL) berpengaruh negatif terhadap Return On Assets (ROA), Net Interest Margin (NIM) berpengaruh positif terhadap Return On Assets (ROA), Biaya Operasional pada Pendapatan Operasional (BOPO) berpengaruh negatif terhadap Return On Assets (ROA). Kata Kunci: Non Performing Loans (NPL), Net Interest Margin (NIM), Biaya Operasional pada Pendapatan Operasional (BOPO) dan Return On Assets (ROA).
| Item Type: | Thesis (S1) |
|---|---|
| NIM/NIDN Creators: | 43216120242 |
| Uncontrolled Keywords: | Non Performing Loans (NPL), Net Interest Margin (NIM), Operating Costs on Operating Income (BOPO) and Return On Assets (ROA), Non Performing Loans (NPL), Net Interest Margin (NIM), Biaya Operasional pada Pendapatan Operasional (BOPO) dan Return On Assets (ROA) |
| Subjects: | 600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | ORYZA LUVITA |
| Date Deposited: | 19 Apr 2022 06:47 |
| Last Modified: | 19 Apr 2022 06:47 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/60127 |
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