Pengaruh Risiko Kredit, Risiko Likuiditas Dan Risiko Tingkat Bunga Terhadap Profitabilitas (Studi Empiris pada Perusahaan Perbankan Terdaftar di Bursa Efek Indonesia)
Abstract: This study aimed to
examine the effect of credit risk, liquidity risk and interest rate risk on
profitability (empirical studies on banking companies listed on the Stock
Exchange). This study classified the causative research. The population in this
study are all banking companies listed on the Stock Exchange in 2009 until
2012. While the sample is determined by purposive sampling method in order to
obtain 29 sample firms. The type of data used is secondary data obtained from
www.idx.co.id. The analytical method used is multiple regression analysis.
Based on the results of multiple regression analysis with a significance
level of 5%, then the results of this study concluded: (1) the credit risk of a
significant negative effect on the profitability of banking companies listed on
the Stock Exchange with the β coefficient is negative at-0, 428 and a
significance value 0.000 < 0.05. (2) liquidity risk not significant effect
on the profitability of the banking company registered in BEI with worth valued
coefficient β -0.004 and a significance value 0.576> 0.05 (3) interest rate
risk of a significant positive effect on the profitability of banking companies
listed on the Stock Exchange with β coefficient is positive 0.241 and
significance value 0.000<0.05.
Based on the above results, it is suggested: (1) researchers can then do
further research related to bank profitability. (2) the bank's management is
expected to be able to continue to keep the NPL, LDR and its NIM in order to
avoid the risk of losses in his business.
Keywords: NPL (Non Performing
Loan), LDR (Loan to Deposit Ratio), NIM (Net Interest Margin) and ROA (Return
On Asset)
Penulis: Ceria Lisa Rahmi
Kode Jurnal: jpakuntansidd140673
