Vika Lusmiastriana, - (2022) PENGARUH RISIKO KREDIT DAN PERSAINGAN USAHA TERHADAP PROFITABILITAS BANK KONVENSIONAL DI INDONESIA PADA MASA PANDEMI COVID-19. S1 thesis, Universitas Pendidikan Indonesia.
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Abstract
Penelitian ini bertujuan untuk mengetahui pengaruh dari risiko kredit menggunakan indikator Non Perfoming Loan (NPL) dan persaingan usaha menggunakan indikator Indeks Lerner terhadap profitabilitas perbankan. Teknik pemilihan sampel yang digunakan adalah sampel jenuh dimana seluruh anggota populasi dijadikan sampel penelitian sebanyak 94 perbankan konvensional yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2020-2021. Data yang digunakan adalah data sekunder berupa laporan keuangan tahunan dengan teknik dokumentasi. Pengujian hipotesis dilakukan dengan menggunakan analisis regresi menggunakan data panel dan uji koefisien determinasi. Hasil pengujian hipotesis menunjukan bahwa risiko kredit menggunakan indikator NPL berpengaruh negatif terhadap profitabilitas perbankan dan persaingan usaha berpengaruh positif terhadap profitabilitas perbankan yang terdaftar di Otoritas Jasa Keuangan (OJK). Kata Kunci. Risiko Kredit, Persaingan Usaha, Profitabilitas This riset objective to determine the effect of credit risk using the Non-Performing Loan (NPL) indicator and business competition using the Lerner Index indicator on banking profitability. The sample selection technique used is a saturated sample where all members of the population are used as research samples as many as 94 conventional banks registered with the Financial Services Authority (OJK) for the 2020-2021 period. The data used is secondary data in the form of annual financial reports with documentation techniques. Hypothesis testing is done by using regression analysis using panel data and testing the coefficient of determination. The results of hypothesis testing show that credit risk using the NPL indicator has a negatif effect on banking profitability and business competition has a positif effect on the profitability of banks registered with the Financial Services Authority (OJK). Keywords. Credit Risk, Business Competition, Profitability
| Item Type: | Thesis (S1) |
|---|---|
| Additional Information: | ID Sinta Dosen Pembimbing: TONI HERYANA 5995980 |
| Uncontrolled Keywords: | Risiko Kredit, Persaingan Usaha, Profitabilitas |
| Subjects: | H Social Sciences > HB Economic Theory L Education > L Education (General) |
| Divisions: | Fakultas Pendidikan Ekonomi dan Bisnis > Akuntansi (non kependidikan) |
| Depositing User: | Vika Lusmiastriana |
| Date Deposited: | 28 Oct 2022 03:24 |
| Last Modified: | 28 Oct 2022 03:24 |
| URI: | http://repository.upi.edu/id/eprint/85485 |
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