scholarly journals PENGARUH RISIKO KREDIT DAN TINGKAT KECUKUPAN MODAL TERHADAP PROFITABILITAS PERBANKAN YANG LISTING DI BEI PERIODE 2015-2019

2021 ◽  
Vol 10 (2) ◽  
pp. 228-237
Author(s):  
Kiki Nadillah ◽  
Puji Muniarty
Keyword(s):  
Risk Analysis ◽  
Credit Risk ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Risk Capital ◽  
Purposive Sampling ◽  
Simultaneous Test ◽  
Profitability Analysis ◽  
Credit Risk Analysis ◽  
Level Analysis

Abstrak: Pengaruh Risiko Kredit Dan Tingkat Kecukupan Modal Terhadap Profitabilitas Perbankan Yang Listing Di BEI Periode 2015-2019. Penelitian bertujuan untuk mengetahui pengaruh Risiko Kredit dan Tingkat Kecukupan Modal Terhadap Profitabilitas Perbankan yang Listing Di BEI Periode 2015-2019 dan ada 43 perbankan listing di BEI. Sample diambil 10 perusahaan perbankan. Teknik sampling yang digunakan purposive sampling. Data di analisis dengan analisis risiko kredit, analisis tingkat kecukupan modal, analisis profitabilitas, uji asumsi klasik, uji parsial dan uji serempak. Secara parsial dan serempak hasil menunjukan resiko kredit dan tingkat kecukupan modal berpengaruh signifikan terhadap profitabilitas. sedangkan secara serempak menyatakan bahwa ada pengaruh yang signifikan resiko kredit dan tingkatkan kecukupan modal terhadap profitabilitas.Kata kunci: Profitabilitas, Risiko Kredit, Tingkat Kecukupan Modal.Abstract: Effect of Credit Risk and Capital Adequacy Levels Profitability of Banks Listing on the IDX for the 2015-2019 Period. This study aims to determine the effect of Credit Risk and Capital Adequacy Level on the Profitability of Banks Listed on the IDX for the 2015-2019 period, and there are 43 banks listed on the IDX. Samples were taken from 10 banking companies. The sampling technique used was purposive sampling. The data were analyzed by credit risk analysis, capital adequacy level analysis, profitability analysis, classical assumption test, partial test and simultaneous test. Partially and simultaneously the results show that credit risk and the level of capital adequacy have a significant effect on profitability. while simultaneously stating that there is a significant effect of credit risk and increasing capital adequacy on profitability.Keywords: Profitabilitas, Credit Risk, Capital Adequacy Level.

scholarly journals PENGARUH RESIKO KREDIT, KECUKUPAN MODAL, HUTANG, DAN PENDAPATAN BUNGA TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

2019 ◽  
pp. 197-211
Author(s):  
Boniara Sinabang ◽  
Sabeth Sembiring
Keyword(s):  
Credit Risk ◽  
Interest Rates ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Risk Capital ◽  
Significance Level ◽  
Simultaneous Test ◽  
Interest Income

This study aims to examine the effect of credit risk as measured by non-performing loans, the level of capital adequacy as measured by the capital adequacy ratio, debt as measured by debt to equity ratio, and interest income as measured by net interst margin on the level of profitability as measured by return on assets in banking companies listed on the Indonesia Stock Exchange (IDX). This research is classified as causative research. The population in this study were all banking companies listed on the Indonesia Stock Exchange in 2011 to 2015. While the sample of this study was determined by purposive sampling method so that 24 sample companies were obtained. The type of data used was secondary data obtained from www.idx.co.id. The analytical method used is multiple regression analysis with a significance level of 5%. The partial test results show that credit and debt risk have a negative and significant effect on profitability, capital adequacy has no effect on profitability, interest income has a positive and significant effect on profitability. Simultaneous test results show that credit risk, capital adequacy, debt, and interest income affect profitability. Therefore, banks consider the factors of credit risk, capital adequacy, debt and interest income in the context of achieving the expected profit level by taking into account the quality of credit distribution, cultivate capital well and use capital effectively, debt that is made into productive assets is well managed, as well as maintaining loan interest rates offered so as to generate high capital.

scholarly journals The Analysis of Factors Influencing Earning Management of Conventional Private Banking in Indonesia

2019 ◽  
pp. 1247-1252
Author(s):  
Agnemas Yusoep Islami ◽  
Jacquline Tham ◽  
S. M. Ferdous Azam ◽  
Eddy Yusuf ◽  
Albattat Ahmad
Keyword(s):  
Earnings Management ◽  
Credit Risk ◽  
Sampling Technique ◽  
Institutional Ownership ◽  
Capital Adequacy ◽  
Earning Management ◽  
Managerial Ownership ◽  
Risk Capital ◽  
Capital Adequacy Ratio ◽  
Private Banks

Earnings management is an alternative action to achieve their goals, although this action will produce financial reports that can mislead the reader, in fact, many banks in Indonesia do this practice. This study attempts to examine the effect of factors that influence earnings management in conventional Indonesian banks. The variables in this study are credit risk, capital adequacy ratio (CAR), size, managerial ownership and institutional ownership as independent variables and earnings management variables as dependent variables. The population in this study is a conventional private bank in Indonesia. This study uses a purposive sampling technique. The criteria for objects that can be used as samples in this study were obtained by 55 private banks with the period under study from 2015 - 2017. The number of units of analysis of this study was 141 units. The analysis technique used in this study is multiple regression analysis to find the effect of managerial ownership, institutional ownership, credit risk, capital adequacy ratio (CAR), and size factors on earnings management in conventional private banks in Indonesia. This study found that factors, size of banking, and CAR had a positive and significant effect on earning management of conventional private banks in Indonesia. Management ownership factors have a negative and significant effect on earnings management. While Institutional ownership factors have no significant effect on earnings management. This study uses the Jones model in measuring earnings management. In the future it will be better if all models that can measure earnings management are used so that the model can be compared more accurately and more in accordance with the factors we will examine.

scholarly journals PENGARUH RESIKO KREDIT, KECUKUPAN MODAL, HUTANG, DAN PENDAPATAN BUNGA TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

2020 ◽  
pp. 51-65
Author(s):  
Boniara Sinabang ◽  
Sabeth Sembiring
Keyword(s):  
Credit Risk ◽  
Interest Rates ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Test Results ◽  
Risk Capital ◽  
Significance Level ◽  
Simultaneous Test ◽  
Interest Income

This study aims to examine the effect of credit risk as measured by non-performing loans, the level of capital adequacy as measured by a capital adequacy ratio, debt as measured by debt to equity ratio, and interest income as measured by net interst margins on the level of profitability as measured by returns on assets in banking companies listed on the Indonesia Stock Exchange (IDX). This research is classified as causative research. The population in this study were all banking companies listed on the Indonesia Stock Exchange in 2011 to 2015. While the sample of this study was determined by purposive sampling method so that 24 sample companies were obtained. The type of data used was secondary data obtained from www.idx.co.id. The analytical method used is multiple regression analysis with a significance level of 5%. The partial test results show that credit and debt risk have a negative and significant effect on profitability, capital adequacy has no effect on profitability, interest income has a positive and significant effect on profitability. Simultaneous test results show that credit risk, capital adequacy, debt, and interest income affect profitability. Therefore, banks consider the factors of credit risk, capital adequacy, debt and interest income in the context of achieving the expected level of profit by paying attention to the quality of credit distribution, cultivate capital well and use capital effectively, debt that is made into productive assets is well managed, as well as maintaining loan interest rates offered so as to generate high capital.

scholarly journals An Analytic Hierarchy Model for Classification Algorithms Selection in Credit Risk Analysis

2014 ◽  
Vol 2014 ◽  
pp. 1-7 ◽  
Author(s):  
Gang Kou ◽  
Wenshuai Wu
Keyword(s):  
Risk Analysis ◽  
Credit Risk ◽  
Multicriteria Decision Making ◽  
Performance Criteria ◽  
Classification Algorithms ◽  
Efficient Tool ◽  
Analytic Hierarchy ◽  
Hierarchy Model ◽  
Three Stages ◽  
Credit Risk Analysis

This paper proposes an analytic hierarchy model (AHM) to evaluate classification algorithms for credit risk analysis. The proposed AHM consists of three stages: data mining stage, multicriteria decision making stage, and secondary mining stage. For verification, 2 public-domain credit datasets, 10 classification algorithms, and 10 performance criteria are used to test the proposed AHM in the experimental study. The results demonstrate that the proposed AHM is an efficient tool to select classification algorithms in credit risk analysis, especially when different evaluation algorithms generate conflicting results.

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