Pengaruh Resiko Kredit, Resiko Likuiditas, Efisiensi Manajemen terhadap Profitabilitas: Studi pada Perbankan yang Terdaftar di Bursa Efek Indonesia
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Keywords:
Profitability, Credit Risk, Liquidity Risk, Management Efficiency, Capital
Abstract
This study aims to determine the effect of credit risk, liquidity risk, management efficiency to profitability in Banking listed on the Indonesia Stock Exchange in the period 2010-2014. This research is explanatory research. The population of this study is a banking company listed on the Indonesia Stock Exchange using a saturated sampling technique, obtained a population of 26 banks. Analyzer using regression analysis. The result of the analysis shows that Credit risk and management efficiency have a negative and significant effect on profitability and liquidity risk have no effect on profitability, while the capital has a positive and significant effect on profitability.
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References
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Alper, Deger., dan Anbar, Adem. 2011. Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey. Business and Economics Research Journal, 2(2), pp: 139-152.
Alshatti, Ali Sulieman. 2015. The effect of credit risk management on financial performance of the Jordanian commercial banks. Investment Management and Financial Innovations, Volume 12, Issue 1, 2015.
Amer, Hager H.M., Moustofa, Wael., and Eldomiaty, Tarek. 2014. Determinant Of Efficiency for Lowly and Highly Competitive Banks in Egypt. Cambridge Business & Economics Conference. ISBN : 9780974211428
Aremu, M.A., Ekpo, I.C., dan Mustapha, A.M. 2013. Determinants Of Banks’ Profitability In A Developing Economy: Evidence From Nigerian Banking Industry, Interdisciplinary Journal Of Contemporary Research In Business. Vol 4, No 9, pp. 155-181.
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Bank Indonesia. 2015. Memperkokoh Stabilitas, Mendorong Reformasi Struktural untuk Pertumbuhan Ekonomi yang Berkelanjutan. Laporan Perekonomian tahun 2014. Jakarta : Bank Indonesia. Diunduh : http://www.bi.go.id/id/publikasi/laporantahunan/perekonomian/pages/LPI_2014.aspx
Boklet perbankan. 2016. Edisi Ke 3. ISNN 1858-423. http//:www.ojk.go.id
Buchory, Herry Achmad. 2015. Banking Intermediation, Operational Efficiency And Credit Risk In The Banking Profitability. Proceeding - Kuala Lumpur International Business, Economics and Law Conference 7, Vol. 2. August 15 – 16, 2015. Hotel Putra, Kuala Lumpur, Malaysia. ISBN 978-967-11350-4-5.
Dendawijaya, Lukman. 2009. Manajemen Perbankan. Jakarta: Ghalia Indoensia
Darmawi, Herman. 2012. Manajemen Perbankan. Cetakan Kedua. Bumi Aksara: Jakarta
Gezu, Gadise. 2014. Determinants of Non performing Loans: Empirical Study in Case of Commercial Banks in Ethiopia. A thesis submitted to school of postgraduate in partial fulfillment of the requirements for the degree of masters of science (msc) in accounting and finance. Jimma university business and economics college department of accounting and finance. Online.
Ganić, Mehmed. 2014. Bank Specific Determinants of Credit Risk - An Empirical Study on the Banking Sector of Bosnia and Herzegovina. International Journal of Economic Practices and Theories, Vol. 4, No. 4, 2014 (July), e-ISSN 2247-7225. www.ijept.org
Ghozali, Imam. 2006. Structural Equation Modeling Metode Alternatif dengan Partial Least Square. Semarang: Badan Penerbit Universitas Diponegoro.
Ghozali, Imam. 2012. Aplikasi Analisis Multivariate dengan Program IBM SPSS 20 (Edisi 6). Semarang : Badan Penerbit Universitas Diponegoro.
Harahap, S.S. 2010. Analisis Kritis Atas Laporan Keuangan, Edisi Pertama. PT RajaGrafindo Persada. Jakarta.
Hasan Ayaydin dan Aykut Karakaya. 2014. Turkey The Effect of Bank Capital on Profitability and Risk in Turkish Banking. International Journal of Business and Social Science Vol. 5 No. 1; January 2014.
Julita. 2011. Pengaruh Non Performing Loan (Npl) Dan Capital Adequacy Ratio (Car) Terhadap Profitabilitas (Roa) Pada Perusahaan Perbankan Yang Terdaftar Di Bei. Vol 1, No 1 2011. http://jurnal.umsu.ac.id/
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_____. 2012b. Manajemen Perbankan, Edisi Revisi, Cetakan Sebelas. PT RajaGrafindo Persada. Jakarta.
Latumaerissa, Julius R. 2014. Manajemen Bank. Edisi Asli. Mitra Wacana Media. Jakarta.
Maheswari, Kadek Indah dan Sudirman, I Made Surya Negara. 2014. Pengaruh NPL terhadap ROA dengan mediasi CAR dan BOPO pada Perbankan Indonesia. Fakultas Ekonomi dan Bisnis Universitas Udayana (Unud), Bali, Indonesia. E-Jurnal Manajemen Unud Hal 1119-1138.
Masdupi, Erni. 2014. Pengaruh Efisiensi Operasional Terhadap Profitabilitas Sektor Perbankan. Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis Volume 3, Nomor 1, Maret 2014.
Olalekan, Asikhia dan Adeyinka, Sokefun. 2013. Capital Adequacy And Banks' Profitability: An Empirical Evidence From Nigeria. American International Journal of Contemporary Research Vol. 3 No. 10; October 2013
Prastowo, D. 2011. Analisis Laporan Keuangan: Konsep dan Aplikasi, Edisi Ketiga, Cetakan Pertama. Unit Penerbit dan Percetakan Sekolah Tinggi Ilmu Manajemen YKPN. Yogyakarta.
Rose, Peter S dan Hudgins, Sylvia C. 2008. Bank management & Financial Service, Seventh Edition Mc Graw-Hill/Irwin. America Newyork.
Sanusi, Anwar. 2011. Metodologi Penelitian Bisnis. Jakarta : Salemba Empat
Sartono, Agus. (2010). Manajemen Keuangan Teori dan Aplikasi. (Edisi IV). Yogyakarta : BPFE.
Sastrosuwito, S. dan Suzuki, Y. 2012. The Determinants Post-Crisis Indonesian Banking System Profitability. Economics and Finance Review Vol. 1(11) pp. 48 – 57, January, 2012. ISSN: 2047 – 0401. Available online at http://www.businessjournalz.org/efr
Septiani, Rita dan Lestari, Putu Vivi. 2016. Pengaruh NPL dan LDR terhadap Profitabilitas dengan CAR sebagai variabel mediasi pada PT BPR pasarraya kuta. Fakultas Ekonomi dan Bisnis Universitas Udayana (Unud), Bali, Indonesia. E-Jurnal Manajemen Unud, Vol. 5, No.1, 2016: 293 – 324. ISSN: 2302-8912 293.
Shingjergji, Ali dan Hyseni, Marsida. 2015. The Determinants Of The Capital Adequacy Ratio In The Albanian Banking System During 2007 – 2014. Lecturers at Finance and Accounting Department, Faculty of Economy University of Elbasan “Aleksandër Xhuvani”, Elbasan. Albania International Journal of Economics, Commerce and Management United Kingdom Vol. III, Issue 1, Jan 2015. ISSN 2348 0386. http://ijecm.co.uk/
Suadirta, I Wayan dan Asri Dwija Putri, I.G.A. 2015. Pengaruh Kecukupan Modal dan Penyaluran Kredit Pada Profitabilitas Dengan Pemoderasi Risiko Kredit. Fakultas Ekonomi dan Bisnis Universitas Udayana, Bali. E-Jurnal Akuntasi Universitas Udayana 11.2 (2015): 426-440. ISSN: 2302-8556.
Sudana, I Made (2011). Manajemen Keuangan Perusahaan, Teori dan Prktik. Jakarta: Erlangga.
Sudiyatno, Bambang dan Fatmawati, Asih (2013). Pengaruh Risiko Kredit Dan Efisiensioperasional Terhadap Kinerja Bank (Studi Empirik pada Bank yang Terdaftar di Bursa Efek Indonesia). Jurnal Organisasi dan Manajemen, Volume 9, Nomor 1, Maret 2013, 73-86.
Sugiyono. 2012. Metode Penelitian Bisnis (Pendekatan Kuantitatif, Kualitatif dan R & D) Edisi 16. Bandung : Alfabeta.
Suryanto. 2015. Non Performing Loans on Regional Development Bank in Indonesia and Factors that Influence. Department of Business Administration, Padjadjaran University. Mediterranean Journal of Social Sciences. MCSER Publishing, Rome-Italy. Vol 6 No 4 July 2015. ISSN 2039-2117 (online).
Suteja, Jaja dan Ginting, Gerinata. 2014. Determinan profitabilitas Bank: Suatu studi pada Bank yang Terdaftar di BEI. Fakultas Ekonomi Universitas Pasundan. Trinomika Volume 13, No.1, Juni 2014, Hal 62-77. ISSN 1411-514X (Print)/ ISSN2355-7737 (online).
Waqas, Tariq. 2014.Determinants of Commercial Banks Profitability. International Journal of Accounting and Financial Reporting, Vol. 4, No. 2.
Yanuardi, Alindra., Hadiwidjojo, Djumilah dan Sumiati (2014). Faktor Determinan Atas Profitabilitas Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Akuntansi Multiparadigma, Volume 5, Nomor 2, Agustus 2014.
Yuanjua dan Shishun, Xiao. 2012. Effectiveness of China's Commercial Banks' Capital Adequacy Ratio Regulation A Case Study of The Listed Bank. Master, College of Economics and Management, Sichuan Agricultural University, Chengdu , Sichuan, China (611130). Interdisciplinary Journal Of Contemporary Research In Business Copy Right 58 MAY 2012 VOL 4, NO 1.
Yuliani, YL. 2013. Aktivitas Operasional Bank dan Implikasinya terhadap Kinerja Keuangan dengan Faktor Risiko sebagai Pemediasi (Studi pada Sektor Perbankan Go Public di Bursa Efek Indonesia). In: Seminar Nasional Asosiasi Ilmuwan Manajemen Indonesia (AIMI) 2013, 21-22 Juni 2013, Kendari-Sulawesi Tenggara. http://eprints.unsri.ac.id/4716/.
Alper, Deger., dan Anbar, Adem. 2011. Bank Specific and Macroeconomic Determinants of Commercial Bank Profitability: Empirical Evidence from Turkey. Business and Economics Research Journal, 2(2), pp: 139-152.
Alshatti, Ali Sulieman. 2015. The effect of credit risk management on financial performance of the Jordanian commercial banks. Investment Management and Financial Innovations, Volume 12, Issue 1, 2015.
Amer, Hager H.M., Moustofa, Wael., and Eldomiaty, Tarek. 2014. Determinant Of Efficiency for Lowly and Highly Competitive Banks in Egypt. Cambridge Business & Economics Conference. ISBN : 9780974211428
Aremu, M.A., Ekpo, I.C., dan Mustapha, A.M. 2013. Determinants Of Banks’ Profitability In A Developing Economy: Evidence From Nigerian Banking Industry, Interdisciplinary Journal Of Contemporary Research In Business. Vol 4, No 9, pp. 155-181.
Bank Indonesia. 2009. Menjaga Stabilitas Perekonomian dalam Krisis Keuangan Global. Laporan Perekonomian tahun 2008. Jakarta : Bank Indonesia. Diunduh:http://www.bi.go.id/id/publikasi/laporantahunan/perekonomian/Pages/lpi_2008.aspx
Bank Indonesia. 2015. Memperkokoh Stabilitas, Mendorong Reformasi Struktural untuk Pertumbuhan Ekonomi yang Berkelanjutan. Laporan Perekonomian tahun 2014. Jakarta : Bank Indonesia. Diunduh : http://www.bi.go.id/id/publikasi/laporantahunan/perekonomian/pages/LPI_2014.aspx
Boklet perbankan. 2016. Edisi Ke 3. ISNN 1858-423. http//:www.ojk.go.id
Buchory, Herry Achmad. 2015. Banking Intermediation, Operational Efficiency And Credit Risk In The Banking Profitability. Proceeding - Kuala Lumpur International Business, Economics and Law Conference 7, Vol. 2. August 15 – 16, 2015. Hotel Putra, Kuala Lumpur, Malaysia. ISBN 978-967-11350-4-5.
Dendawijaya, Lukman. 2009. Manajemen Perbankan. Jakarta: Ghalia Indoensia
Darmawi, Herman. 2012. Manajemen Perbankan. Cetakan Kedua. Bumi Aksara: Jakarta
Gezu, Gadise. 2014. Determinants of Non performing Loans: Empirical Study in Case of Commercial Banks in Ethiopia. A thesis submitted to school of postgraduate in partial fulfillment of the requirements for the degree of masters of science (msc) in accounting and finance. Jimma university business and economics college department of accounting and finance. Online.
Ganić, Mehmed. 2014. Bank Specific Determinants of Credit Risk - An Empirical Study on the Banking Sector of Bosnia and Herzegovina. International Journal of Economic Practices and Theories, Vol. 4, No. 4, 2014 (July), e-ISSN 2247-7225. www.ijept.org
Ghozali, Imam. 2006. Structural Equation Modeling Metode Alternatif dengan Partial Least Square. Semarang: Badan Penerbit Universitas Diponegoro.
Ghozali, Imam. 2012. Aplikasi Analisis Multivariate dengan Program IBM SPSS 20 (Edisi 6). Semarang : Badan Penerbit Universitas Diponegoro.
Harahap, S.S. 2010. Analisis Kritis Atas Laporan Keuangan, Edisi Pertama. PT RajaGrafindo Persada. Jakarta.
Hasan Ayaydin dan Aykut Karakaya. 2014. Turkey The Effect of Bank Capital on Profitability and Risk in Turkish Banking. International Journal of Business and Social Science Vol. 5 No. 1; January 2014.
Julita. 2011. Pengaruh Non Performing Loan (Npl) Dan Capital Adequacy Ratio (Car) Terhadap Profitabilitas (Roa) Pada Perusahaan Perbankan Yang Terdaftar Di Bei. Vol 1, No 1 2011. http://jurnal.umsu.ac.id/
Kasmir. 2012a. Analisis Laporan Keuangan, Edisi Pertama, Cetakan Kelima. Raja Grafindo Persada. Jakarta.
_____. 2012b. Manajemen Perbankan, Edisi Revisi, Cetakan Sebelas. PT RajaGrafindo Persada. Jakarta.
Latumaerissa, Julius R. 2014. Manajemen Bank. Edisi Asli. Mitra Wacana Media. Jakarta.
Maheswari, Kadek Indah dan Sudirman, I Made Surya Negara. 2014. Pengaruh NPL terhadap ROA dengan mediasi CAR dan BOPO pada Perbankan Indonesia. Fakultas Ekonomi dan Bisnis Universitas Udayana (Unud), Bali, Indonesia. E-Jurnal Manajemen Unud Hal 1119-1138.
Masdupi, Erni. 2014. Pengaruh Efisiensi Operasional Terhadap Profitabilitas Sektor Perbankan. Fakultas Ekonomi Universitas Negeri Padang. Jurnal Kajian Manajemen Bisnis Volume 3, Nomor 1, Maret 2014.
Olalekan, Asikhia dan Adeyinka, Sokefun. 2013. Capital Adequacy And Banks' Profitability: An Empirical Evidence From Nigeria. American International Journal of Contemporary Research Vol. 3 No. 10; October 2013
Prastowo, D. 2011. Analisis Laporan Keuangan: Konsep dan Aplikasi, Edisi Ketiga, Cetakan Pertama. Unit Penerbit dan Percetakan Sekolah Tinggi Ilmu Manajemen YKPN. Yogyakarta.
Rose, Peter S dan Hudgins, Sylvia C. 2008. Bank management & Financial Service, Seventh Edition Mc Graw-Hill/Irwin. America Newyork.
Sanusi, Anwar. 2011. Metodologi Penelitian Bisnis. Jakarta : Salemba Empat
Sartono, Agus. (2010). Manajemen Keuangan Teori dan Aplikasi. (Edisi IV). Yogyakarta : BPFE.
Sastrosuwito, S. dan Suzuki, Y. 2012. The Determinants Post-Crisis Indonesian Banking System Profitability. Economics and Finance Review Vol. 1(11) pp. 48 – 57, January, 2012. ISSN: 2047 – 0401. Available online at http://www.businessjournalz.org/efr
Septiani, Rita dan Lestari, Putu Vivi. 2016. Pengaruh NPL dan LDR terhadap Profitabilitas dengan CAR sebagai variabel mediasi pada PT BPR pasarraya kuta. Fakultas Ekonomi dan Bisnis Universitas Udayana (Unud), Bali, Indonesia. E-Jurnal Manajemen Unud, Vol. 5, No.1, 2016: 293 – 324. ISSN: 2302-8912 293.
Shingjergji, Ali dan Hyseni, Marsida. 2015. The Determinants Of The Capital Adequacy Ratio In The Albanian Banking System During 2007 – 2014. Lecturers at Finance and Accounting Department, Faculty of Economy University of Elbasan “Aleksandër Xhuvani”, Elbasan. Albania International Journal of Economics, Commerce and Management United Kingdom Vol. III, Issue 1, Jan 2015. ISSN 2348 0386. http://ijecm.co.uk/
Suadirta, I Wayan dan Asri Dwija Putri, I.G.A. 2015. Pengaruh Kecukupan Modal dan Penyaluran Kredit Pada Profitabilitas Dengan Pemoderasi Risiko Kredit. Fakultas Ekonomi dan Bisnis Universitas Udayana, Bali. E-Jurnal Akuntasi Universitas Udayana 11.2 (2015): 426-440. ISSN: 2302-8556.
Sudana, I Made (2011). Manajemen Keuangan Perusahaan, Teori dan Prktik. Jakarta: Erlangga.
Sudiyatno, Bambang dan Fatmawati, Asih (2013). Pengaruh Risiko Kredit Dan Efisiensioperasional Terhadap Kinerja Bank (Studi Empirik pada Bank yang Terdaftar di Bursa Efek Indonesia). Jurnal Organisasi dan Manajemen, Volume 9, Nomor 1, Maret 2013, 73-86.
Sugiyono. 2012. Metode Penelitian Bisnis (Pendekatan Kuantitatif, Kualitatif dan R & D) Edisi 16. Bandung : Alfabeta.
Suryanto. 2015. Non Performing Loans on Regional Development Bank in Indonesia and Factors that Influence. Department of Business Administration, Padjadjaran University. Mediterranean Journal of Social Sciences. MCSER Publishing, Rome-Italy. Vol 6 No 4 July 2015. ISSN 2039-2117 (online).
Suteja, Jaja dan Ginting, Gerinata. 2014. Determinan profitabilitas Bank: Suatu studi pada Bank yang Terdaftar di BEI. Fakultas Ekonomi Universitas Pasundan. Trinomika Volume 13, No.1, Juni 2014, Hal 62-77. ISSN 1411-514X (Print)/ ISSN2355-7737 (online).
Waqas, Tariq. 2014.Determinants of Commercial Banks Profitability. International Journal of Accounting and Financial Reporting, Vol. 4, No. 2.
Yanuardi, Alindra., Hadiwidjojo, Djumilah dan Sumiati (2014). Faktor Determinan Atas Profitabilitas Perbankan Yang Terdaftar Di Bursa Efek Indonesia. Jurnal Akuntansi Multiparadigma, Volume 5, Nomor 2, Agustus 2014.
Yuanjua dan Shishun, Xiao. 2012. Effectiveness of China's Commercial Banks' Capital Adequacy Ratio Regulation A Case Study of The Listed Bank. Master, College of Economics and Management, Sichuan Agricultural University, Chengdu , Sichuan, China (611130). Interdisciplinary Journal Of Contemporary Research In Business Copy Right 58 MAY 2012 VOL 4, NO 1.
Yuliani, YL. 2013. Aktivitas Operasional Bank dan Implikasinya terhadap Kinerja Keuangan dengan Faktor Risiko sebagai Pemediasi (Studi pada Sektor Perbankan Go Public di Bursa Efek Indonesia). In: Seminar Nasional Asosiasi Ilmuwan Manajemen Indonesia (AIMI) 2013, 21-22 Juni 2013, Kendari-Sulawesi Tenggara. http://eprints.unsri.ac.id/4716/.
Published
2019-10-01
How to Cite
Adhim, C. (2019). Pengaruh Resiko Kredit, Resiko Likuiditas, Efisiensi Manajemen terhadap Profitabilitas: Studi pada Perbankan yang Terdaftar di Bursa Efek Indonesia. Cendekia: Jurnal Pendidikan Dan Pembelajaran, 13(2), 141-152. https://doi.org/10.30957/cendekia.v13i2.604
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