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Analisis Pengaruh Risiko Kredit Dan Permodalan Terhadap Profitabilitas Melalui Pertumbuhan Kredit

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Ryo Sakazaki
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27 views2 pages

Analisis Pengaruh Risiko Kredit Dan Permodalan Terhadap Profitabilitas Melalui Pertumbuhan Kredit

Uploaded by

Ryo Sakazaki
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© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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ANALISIS PENGARUH RISIKO KREDIT

DAN PERMODALAN TERHADAP


PROFITABILITAS MELALUI
PERTUMBUHAN KREDIT
Authors
 Wanda Valeria ManurungBrawijaya University
 Nugroho Suryo BintoroFakultas Ekonomi dan Bisnis Universitas Brawijaya

Keywords:
Profitability, credit distribution, Capital, path analysis

Abstract
Along with the deceleration of global and domestic economy, the profitability of banks is
also decreasing. Such degradation must receive sufficient attention as it can reduce
people’s trust and bank’s business sustainability if not addressed properly. The objective of
this research is to assess the effects of credit risk and capital on profitability both directly
and indirectly through the mediation of credit growth. Using purposive sampling
technique, banks member of HIMBARA (Association of State-Owned Banks) from the first
quarter of 2012 to the fourth quarter of 2021 were selected as the sample. The data was
processed using panel data regression and path analysis. This study finds that NPL and
CAR negatively and significantly influence credit growth, that NPL negatively and
significantly affects ROA, that CAR and credit growth have no effect on ROA, and that credit
growth does not mediate the effects of NPL and CAR on profitability.

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