Pengaruh Risiko Kredit, Risiko Likuiditas, Modal Bank, dan Pertumbuhan Produk Domestik Bruto Terhadap Profitabilitas Bank
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Abstract
Penelitian ini dilakukan untuk mengidentifikasi pengaruh risiko kredit, risiko likuiditas, modal bank, dan pertumbuhan PDB terhadap profitabilitas bank pada perusahaan perbankan yang tercatat di Bursa Efek Indonesia (BEI) selama periode 2018-2022 dengan menerapkan teknik purposive sampling. Penelitian ini melibatkan 24 perusahaan dengan jumlah data sampel setelah outlier sebanyak 95 data. Analisis model menggunakan regresi linier berganda. Temuan penelitian mengindikasikan bahwa: (1) risiko kredit memengaruhi profitabilitas bank secara negatif dan signifikan; (2) tidak ditemukan pengaruh yang signifikan antara risiko likuiditas dan modal bank terhadap profitabilitas bank; (3) pertumbuhan PDB memengaruhi profitabilitas bank secara positif dan signifikan. Kajian ini bermanfaat untuk perancangan strategi bisnis yang lebih efisien bagi manajemen bank dengan mempertimbangkan faktor-faktor risiko yang signifikan, serta sebagai referensi bagi pihak regulator untuk membentuk kebijakan yang mendukung stabilitas sektor perbankan dan pertumbuhan ekonomi. Bagi penulis, kajian ini berguna untuk memperluas wawasan peneliti terhadap faktor-faktor yang memengaruhi profitabilitas bank.
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Licensed under 
a Creative Commons Attribution-NonCommercial 4.0 International License
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