Apakah Manajemen Risiko Berpengaruh Terhadap Kinerja Bank?
DOI:
https://doi.org/10.29303/distribusi.v12i2.509Kata Kunci:
Bank Perkreditan Rakyat, Kinerja Bank, Manajemen Risiko, Otoritas Jasa KeuanganAbstrak
Tujuan penelitian ini adalah menganalisis dampak manajemen risiko terhadap kinerja bank. Manajemen risiko diukur melalui risiko kredit, risiko likuiditas, risiko operasional, leverage, pertumbuhan kredit, dan modal bank. Sedangkan, kinerja bank diukur melalui ROA (return on asset) dan ROE (return on equity). Sampel pada penelitian ini ialah Bank Perkreditan Rakyat (BPR) di provinsi Kalimantan Barat. Data dikumpulkan melalui laporan keuangan tahun 2018 hingga 2022 yang tersedia di situs web Otoritas Jasa Keuangan (OJK). Berdasarkan data OJK, terdapat 21 BPR di provinsi Kalimantan Barat sehingga total data yang digunakan dalam penelitian ini yakni sebanyak 105 data. Metode analisis yang diterapkan ialah metode regresi panel dan diuji menggunakan aplikasi E-Views. Hasil penelitian menunjukkan risiko kredit, risiko likuiditas, dan risiko operasional berpengaruh secara negatif terhadap ROA, sementara leverage dan modal bank memiliki memiliki pengaruh yang positif terhadap ROA. Sedangkan, pertumbuhan kredit tidak berpengaruh terhadap ROA. Selain itu, risiko kredit, leverage, risiko operasional, dan modal bank memiliki pengaruh negatif terhadap ROE, sementara risiko likuiditas dan pertumbuhan kredit tidak berpengaruh terhadap ROE.
Unduhan
Referensi
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