ANALISIS RISIKO KREDIT DAN SPREAD SUKU BUNGA SERTA PENGARUHNYYA TERHADAP PROFITABILITAS PADA BANK UMUM DI INDONESIA

NASTA IHDINA MARVILIA , 1411011088 (2018) ANALISIS RISIKO KREDIT DAN SPREAD SUKU BUNGA SERTA PENGARUHNYYA TERHADAP PROFITABILITAS PADA BANK UMUM DI INDONESIA. FAKULTAS EKONOMI DAN BISNIS, UNIVERSITAS LAMPUNG.

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Abstrak

Penelitian ini bertujuan untuk menganalisis serta mengetahui pengaruh variabel risiko kredit yang diproksikan dengan Non Performing Loan (NPL) dan Spread Suku Bunga terhadap profitabilitas yang dirproksikan dengan Return on Equity (ROE) yang terdaftar di Bursa Efek Indonesia. Periode yang digunakan dalam penelitian ini adalah selama tahun 2012-2016. Populasi yang digunakan dalam penelitian ini berjumlah 116 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2012-2016. Teknik pemilihan sampel menggunakan metode purposive sampling dan diperoleh 6 perusahaan perbankan yang digunakan sebagai sampel. Teknis analisis data yang digunakan regresi linier berganda. Berdasarkan hasil analisis data risikokredit (NPL) terdapat pengaruh negative terhadap profitabilitas (ROE), sedangkan spread suku bunga terdapat pengaruh positif terhadap profitabilitas (ROE). Hasil uji F, terdapat hubungan yang bersifat pengaruh antara risiko kredit (NPL) dan spread suku bunga secara bersama-sama terhadap profitabilitas (ROE) sebesar 21,451 dengan tingkat signifikansi sebesar 0,000. Kata Kunci : Risiko Kredit, NPL, Spread Suku Bunga, Profitabilitas, ROE ANALYSIS OF CREDIT RISKS AND INTEREST RATE SPREAD AND EFFECT ON THE PROFITABILITY IN COMMERCIAL BANKS IN INDONESIA This study aimed to analyze and determine the effect of credit risk variables proxied by Non Performing Loan (NPL) and Spread of Interest Rate on profitability proxied by Return on Equity (ROE) listed on the Indonesia Stock Exchange. The period used in this study was 2012-2016. The research population comprised 116 banking companies listed on the Indonesia Stock Exchange for the period 2012-2016. The sample was selected by means of purposive sampling method and it consisted of 6 banking companies. The data analysis technique was multiple regression analysis. Based on the results of credit risk data analysis (NPL) had a negative effect on the profitability (ROE), while the spread of interest rate had a positive influence on the profitability (ROE). The result of F test showed that there was a correlational relationship between credit risk (NPL) and spread of interest rate to wards the profitability (ROE) of 21,451 with a significance level of 0,000. Keywords: Credit Risk, NPL, Spread of Interest Rates, Profitability, ROE

Tipe Karya Ilmiah: Skripsi
Subyek: H Ilmu Sosial = Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Program Studi: Fakultas Ekonomi dan Bisnis > Prodi Manajemen
Depositing User: 188889526 . Digilib
Date Deposited: 27 Dec 2018 04:27
Last Modified: 27 Dec 2018 04:27
URI: http://digilib.unila.ac.id/id/eprint/55046

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