Analisis Faktor Internal dan Eksternal Yang Mempengaruhi Kredit Bermasalah Serta Implikasinya Terhadap Kinerja Keuangan Pada Bank BPD

  • Haris Resmawan Universitas Pasundan
Keywords: Capital Adequacy Ratio, Bank Size, Loans to Asset Ratio, Loan to Deposit Ratio

Abstract

Penelitian ini bertujuan mengetahui dan memperoleh hasil analisis mengenai faktor internal dan faktor eksternal dan mengetahui pengaruhnya terhadap kredit bermasalah serta implikasinya terhadap Kinerja Keuangan Pada Bank BPD. Metode yang digunakan dalam penelitian ini adalah metode deskriptif dengan menggunakan pendekatan kuantitatif. Sampel dalam penelitian ini yaitu Bank Pembangunan Daerah periode 2014 sampai dengan 2018 yang dipilih dengan metode purposive sampling dengan kriteria laporan keuangan bank BPD yang telah diaudit. Data dianalisis dengan menggunakan teknik analisis data panel. Secara umum penelitian ini menyimpulkan bahwa 1) terdapat pengaruh Capital Adequacy Ratio terhadap kredit bermasalah dengan arah pengaruh yang positif, 2) terdapat pengaruh Bank Size terhadap kredit bermasalah dengan arah pengaruh yang negatif, 3) terdapat pengaruh Loans to Asset Ratio terhadap kredit bermasalah dengan arah pengaruh yang positif, 4) terdapat pengaruh Loan to Deposit Ratio terhadap kredit bermasalah dengan arah pengaruh yang positif,  5) terdapat pengaruh tingkat suku  bunga   terhadap kredit bermasalah dengan arah pengaruh yang positif, 6) terdapat pengaruh kurs terhadap kredit bermasalah dengan arah pengaruh yang negatif, 7) terdapat pengaruh Gross Domestic Product terhadap kredit bermasalah dengan arah pengaruh yang positif, serta 8) terdapat pengaruh kredit bermasalah terhadap Return on Assets dengan arah hubungan yang negatif.

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Published
2022-12-20