eprintid: 142291
rev_number: 49
eprint_status: archive
userid: 219961
dir: disk0/00/14/22/91
datestamp: 2025-10-07 12:02:12
lastmod: 2025-10-07 12:02:12
status_changed: 2025-10-07 12:02:12
type: thesis
metadata_visibility: show
creators_name: Agnes Ratu Sagitha Gendani, -
creators_name: Elis Mediawati, -
creators_name: Toni Heryana, -
creators_nim: NIM2101626
creators_nim: NIDN0023018201
creators_nim: NIDN0027067805
creators_id: agnes.ratusagitha@upi.edu
creators_id: elis.mediawati@upi.edu
creators_id: toni.heryana@upi.edu
contributors_type: http://www.loc.gov/loc.terms/relators/THS
contributors_type: http://www.loc.gov/loc.terms/relators/THS
contributors_name: Elis Mediawati, -
contributors_name: Toni Heryana, -
contributors_nidn: NIDN0023018201
contributors_nidn: NIDN0027067805
contributors_id: elis.mediawati@upi.edu
contributors_id: toni.heryana@upi.edu
title: PENGARUH EFISIENSI BANK DAN INFLASI TERHADAP FINANCIAL DISTRESS PADA SEKTOR PERBANKAN DI INDONESIA
ispublished: pub
subjects: HB
subjects: HG
subjects: HJ
full_text_status: restricted
keywords: Altman Z-Score, BOPO, Efisiensi bank, Financial distress, inflasi

Altman Z-Score, BOPO, Bank efficiency, Financial distress, Inflatio
note: https://scholar.google.com/citations?view_op=new_profile&hl=en&authuser=4

ID SINTA Dosen Pembimbing
Elis Mediawati : 6009471
Toni Heryana : 5995980
abstract: Penelitian ini bertujuan menganalisis pengaruh efisiensi bank yang diukur dengan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO) dan inflasi terhadap financial distress pada perbankan di Indonesia. Financial distress diukur menggunakan Altman Z-Score modifikasi, dengan sampel bank konvensional yang terdaftar di Indonesia selama periode penelitian. Analisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa Efisiensi bank yang diukur dengan rasio BOPO berpengaruh negatif terhadap Financial Distress.. Sebaliknya, inflasi berpengaruh positif terhadap financial distress dengan menekan daya beli dan meningkatkan risiko kredit. Uji simultan menunjukkan efisiensi bank dan inflasi secara bersama-sama berpengaruh terhadap financial distress. Temuan ini menggarisbawahi pentingnya manajemen efisiensi, inovasi, dan mitigasi risiko makroekonomi untuk menjaga stabilitas sektor perbankan

This study aims to analyze the influence of bank efficiency as measured by the ratio of Operating Costs to Operating Income (BOPO) and inflation to financial distress in banks in Indonesia. Financial distress was measured using a modified Altman Z-Score, with a sample of conventional banks registered in Indonesia during the study period. The analysis uses multiple linear regression. The results of the study show that bank efficiency as measured by the BOPO ratio has a negative effect on Financial Distress. On the other hand, inflation has a positive effect on financial distress by suppressing purchasing power and increasing credit risk. Simultaneous tests show that bank efficiency and inflation together affect financial distress. These findings underscore the importance of efficiency management, innovation, and macroeconomic risk mitigation to maintain the stability of the banking sector.
date: 2025-08-26
date_type: published
institution: Universitas Pendidikan Indonesia
department: KODEPRODI62201#Akuntansi_S1
thesis_type: other
thesis_name: other
official_url: https://repository.upi.edu
related_url_url: https://perpustakaan.upi.edu/
related_url_type: org
citation:   Agnes Ratu Sagitha Gendani, - and Elis Mediawati, - and Toni Heryana, -  (2025) PENGARUH EFISIENSI BANK DAN INFLASI TERHADAP FINANCIAL DISTRESS PADA SEKTOR PERBANKAN DI INDONESIA.  S1 thesis, Universitas Pendidikan Indonesia.   
document_url: http://repository.upi.edu/142291/7/S_PEA_2101626_Title.pdf
document_url: http://repository.upi.edu/142291/3/S_PEA_2101626_Chapter1.pdf
document_url: http://repository.upi.edu/142291/8/S_PEA_2101626_Chapter2.pdf
document_url: http://repository.upi.edu/142291/4/S_PEA_2101626_Chapter3.pdf
document_url: http://repository.upi.edu/142291/6/S_PEA_2101626_Chapter4.pdf
document_url: http://repository.upi.edu/142291/5/S_PEA_2101626_Chapter5.pdf
document_url: http://repository.upi.edu/142291/1/S_PEA_2101626_Appendix.pdf