The Pengaruh Dana Pihak Ketiga, Likuiditas, dan Risiko Kredit Terhadap Profitabilitas Perusahaan Perbankan Yang Terdaftar di BEI (Bank BUMN Periode 2015-2019)

  • Caroline Claudia Nartaresa * Mail Universitas Baturaja, Palembang, Indonesia
  • Muznah Universitas Baturaja, Palembang, Indonesia
Keywords: Third Party Funds; Liquidity (LDR); Credit Risk (NPL); Profitability (ROA)

Abstract

The purpose of this study is to determine the influence of Third-Party Funds (X1), Liquidity (X2), and Credit Risk (X3) on the Profitability (Y) of Banking Companies listed on the IDX (SOE Bank 2015-2019 Period). The analytical method used in this study is multiple linear regression with a significance level of 5%. In addition, this study also carries out a classic assumption test which includes normality test, heteroscedasticity test, multicolonierity test, and autocorrelation test. The type of data used is secondary data obtained from the official website www.idx.co.id and from the address of the Indonesia Stock Exchange. From the results of tests carried out on this study it is known that simultaneously TPF, Liquidity (LDR), Credit Risk (NPL) have a significant influence on Profitability (ROA) at SOE Banks for the 2015-2019 period, while the partial test results show that TPF has a significant positive influence, Liquidity (LDR) has no influence, Credit Risk (NPL) has a significant negative influence. The results of the Adjusted R Square determination coefficient analysis show that 0.815 or 81.5% of the contribution of TPF, LDR, NPL affects profitability (ROA) while the remaining 18.5% is influenced by other variables not included in this study

References

Darmawi,Herman.2012.Manajemen Perbanka EdisiRevisi.Jakarta:PT.Bumi Aksara.

Dendawijaya,Lukman.2009.Manajemen Perbankan Edisi Kedua.Jakarta:Ghalia Indonesia.

Kasmir.2014.Dasar-dasar Perbankan Edisi Revisi.Jakarta:PT.Raja Grafindo Persada.

Kasmir.2019.Pengantar Manajemen Keuangan EdisiKedua.Jakarta:Prenadamedia Group.

Kasmir.2012.Bank dan Lembaga Keuangan lainnya.Jakarta:PT. Raja Grafindo Persada.

M.Hanafi,Mahmud dan Abdul Halim.2016.Analisis Laporan Keuangan Edisi Kelima.Yogyakarta:UPP STIM YKPN.

Rivai, Veithzal dkk. 2013. Commercial Bank Management.Jakarta:Rajawali Pers. 2020. Jurnal Ilmiah Ekonomika.Universitas Baturaja.

S.P.Hasibuan,Malayu.2015.Dasar-dasar Perbankan.Jakarta:PT.Bumi Aksara.

Sudana,IMade.2011.Manajemen Keuangan Perusahaan Teori dan Praktek.Jakarta:Erlangga.

Priyatno,duwi.2016.Belajar Alat Analisis Data dan Cara Pengolahannya dengan SPSS.Yogyakarta:Gava Media.

Prof.Dr.Sugiyono.2014.Metode Penelitian Manajemen.Bandung:Alfabeta.

Van Greuning,Hennie dan Sonja Brajavoc.2011.Analisis Risiko Perbankan Edisi Ketiga.Jakarta:Salemba Empat.

Anggreni, Made Ria dan I Made Sadha Suardhika.2014.Pengaruh Dana PihakKetiga, Kecukupan Modal, RisikoKredit dan SukuBungaKredit Pada Profitabilitas.

Parenrengi,Sudarmin dan Tyahya Whisnu Hendratni.2018.Pengaruh DanaPihak Ketiga,Kecukupan Modal dan Penyaluran Kredit Terhadap Profitabilitas Bank.Vol 1, No.1.

Rahmi,Ceria Lisa.2014.Pengaruh Risiko Kredit,Risiko Likuiditas dan Risiko Tingkat Bunga Terhadap Profitabilitas.

Septiani,Juli.2018.Pengaruh Rrisiko Kredit dan Risiko Likuiditas Terhadap Profitabilitas BRI Tahun 2010-1015.

Sukma,Yoli Lara.2013.Pengaruh Dana Pihak Ketiga, Kecukupan Modal dan Risiko Kredit Terhadap Profitabilitas.

Sulastri, Desi.2017.Pengaruh non performing loan (NPL), Capital Adequancy Ratio (CAR), dan Dana Pihak Ketiga (DPK) terhadap penyaluran kredit pada bank umum di Sumatera selatan tahun 2011-2016.

Dimensions Badge
Published
2021-03-30
Issue
Vol 1 No 3 (2021): March 2021
Section
Articles

Copyright (c) 2021 Caroline Claudia Nartaresa, Muznah

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).