Pengaruh risiko usaha terhadap profitabilitas pada bank umum swasta nasional devisa

Syania Dita Cahyani, Herizon Herizon

Abstract


The purposes of this study are analyzes the simultaneously and partially effect of LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR to ROA in Bank Umum Swasta Nasional Devisa. The sample of this study consisted of four banks: Bank CIMB Niaga, Bank Permata, Bank Pan Indonesia, and Maybank. This study used secondary data taken from the financial statements of  Bank Umum Swasta Nasional Devisa. The bank period from the first quarter of 2013 to the second quarter of 2018. The technique of analyzing data is descriptive analysis and used linear regression analysis, F table, t table. The result of this study indicate that analyzing LDR, IPR, NPL, APB, IRR, PDN, BOPO, FBIR simultaneously have a significant effect on ROA in Bank Umum Swasta Nasional Devisa. Partial LDR, IPR and APB have unsignificant negative effect on ROA in Bank Umum Swasta Nasional Devisa. NPL and IRR partially have unsignificant positive effect on ROA in Bank Umum Swasta Nasional Devisa. PDN and BOPO partially have significant negative effect on ROA in Bank Umum Swasta Nasional Devisa. FBIR partially has significant positive effect on ROA in Bank Umum Swasta Nasional Devisa.


Keywords


Liquidity Risk, Credit Risk, Market Risk, Operational Risk

Full Text:

PDF

References


Bank Indonesia. 2011. Surat Edaran No. 13/24/DPNP Tanggal 25 Oktober 2011 Perihal Perubahan Ketiga atas Surat Edaran Bank Indonesia Nomor 6/23/DPNP tanggal 21 Mei 2004 perihal Sistem Penilaian Tingkat Kesehatan Bank Umum.

Dian Rindiwati, 2018. “Pengaruh Likuiditas, Kualitas Aktiva, Sensitivitas Pasar, Efisiensi, dan Solvabilitas terhadap ROA pada Bank Konvensional BUKU 3”. Skripsi Sarjana diterbitkan. STIE Perbanas Surabaya.

Hafin Reindi Praiadi, 2014. “Pengaruh Risiko Usaha Terhadap Return On Asset (ROA) Pada Bank Umum Swasta Nasional Go Public”. Skripsi Sarjana tak diterbitkan. STIE Perbanas Surabaya.

Ikatan Bankir Indonesia. 2017. Manajemen Risiko 1. Jakarta: PT. Gramedia Pustaka Utama.

Kadek Nandari Cahya Pratiwi, 2018. “Pengaruh Risiko Bank Terhadap Profitabilitas Bank BPR di Kota Denpasar”. E-Jurnal Manajemen Unud. ISSN 2302-8912. Volume 7 Nomor 7.

Nanik Asroriyah, 2017. “Pengaruh Risiko Usaha Terhadap Profitabilitas Pada Bank Umum Swasta Nasional Non Devisa”. Skripsi Sarjana diterbitkan. STIE Perbanas Surabaya.

Otoritas Jasa Keuangan (OJK). “Laporan Keuangan Publikasi”. (www.ojk. go.id ), diakses 14 September 2018.

Otoritas Jasa Keuangan. 2016. Peraturan Otoritas Jasa Keuangan No. 18/POJK.03/2016 tanggal 16 maret 2016 Perihal Penerapan Manajemen Risiko Bagi Bank Umum.

Peraturan Perundang-undangan. 1998. Undang-undang Nomor 10 Tahun 1998 Tentang Perbankan.

Rommy R dan Herizon. “Pengaruh Likuiditas, Kualitas Aset, Sensitivitas Pasar, dan Efisiensi terhadap Return On Aset (ROA) pada Bank Devisa Go Public”. Journal of Business and Banking. ISSN 2088-7841. Volume 5 Nomor 1 (Mei – Oktober 2015). PP 131-148.

Veithzal Rivai, Sofyan Basir, Sarwono Sudartono, Arifandy Pertama Veithzal. 2013. Commercial Bank Management:Manajemen Perb-ankan Dari Teori Ke Praktik. Edisi Pertama. Jakarta : PT Raja Grafindo Persada




DOI: http://dx.doi.org/10.14414/jbb.v9i2.1763

Refbacks

  • There are currently no refbacks.


The 6th International Conference on Business and Banking (ICBB) VI

Abstracting & Indexing

 


Hasil gambar untuk ccby logo

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