Determinan Risiko Kredit Bank Umum di Indonesia
Abstract
The banking industry plays an important role in the stability of the Indonesian financial system. This study examines the effect of capital adequacy, bank efficiency, credit growth, and liquidity on credit risk in commercial banks listed on the Indonesia Stock Exchange (IDX). Using panel data regression analysis with the Fixed Effect Model approach on secondary data for the period 2019 to 2023, with samples obtained through saturated sampling techniques. The results showed that only liquidity has a significant positive effect on credit risk, which indicates that a high liquidity ratio can increase credit risk if not managed properly. Capital adequacy, bank efficiency, and loan growth did not have a significant effect, which means capital adequacy and operational efficiency may not be directly related to credit risk.
References
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Padmadisastra, Y. N., & Nurhayati. (2023). Pengaruh Ukuran Bank dan Capital Adequacy Ratio terhadap Non-Performing Loan. Bandung Conference Series: Accountancy, 3(1), 56–62. https://doi.org/10.29313/bcsa.v3i1.5763
Parasari, H. A. (2020). Faktor-Faktor Yang Mempengaruhi Efisiensi Bank Serta Pengukurannya (Studi Pada Bpd Go Public Dan Non Go Public 2011-2019). Jurnal Ilmiah Mahasiswa FEB, 8(2), 1–17.
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Pramesti, I. A. M. I., & Wirajaya, I. G. A. (2019b). Pengaruh Kecukupan Modal, Penyaluran Kredit dan Efisiensi Operasional pada Risiko Kredit. E-Jurnal Akuntansi, 28(3), 2050. https://doi.org/10.24843/EJA.2019.v28.i03.p26
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Pribanggayu, D., Afgani, K. F., & Ricederia, A. (2021). Perbedaan NPF dan FDR Bank Muamalat antara Sebelum dan Selama Pandemi Covid-19. 4(2), 122–134.
Putri, L., T, C., & Pohan, F. S. (2022). Determinant Factors of Non-Performing Loan in Indonesia Commercial Banks Faktor-Faktor Penentu Non-Performing Loan Pada Bank Komersial Di Indonesia. 01(01), 25–39. https://doi.org/10.31326/BIMTEK.V1I1.1253
Putri, N. D., Yuniningsih, Y., & Wikartika, I. (2020). Analisis Nilai Kecukupan Modal Pada Bank Konvensional yang Terdaftar di Bursa Efek Indonesia. Target : Jurnal Manajemen Bisnis, 2(1), 1–8. https://doi.org/10.30812/target.v2i1.690
Rahmizal, M., Yusra, I., & Sari, L. (2022). Pengaruh likuiditas pendanaan terhadap pengambilan risiko pada Bank Perkreditan Rakyat syariah di Indonesia. Jurnal Kajian Manajemen Bisnis , 11(2), 101–110. https://doi.org/10.24036/jkmb.11941800
Rini, V. D., & Suardi, L. (2023). The Effect of Credit Risk at Regional Development Banks in Indonesia under a Creative Commons Attribution-NonCommercial 4.0 International License (CC BY-NC 4.0). Jurnal Ekonomi, 12(03), 2023.
Rohadi, S. C., Sarumpaet, S., & Syaipudin, U. (2024). Determinan Non-Performing Loan (NPL) Perbankan Kawasan ASEAN. Owner, 8(2), 1917–1929. https://doi.org/10.33395/owner.v8i2.2331
Shi-yo, A. (2012). A Research on the bank credit market signaling theory. International Business.
Siagian, S. (2020). Faktor-Faktor Mempengaruhi N(Npl) Don Perforning Loan I Industri Perbankan Indonesia. Jurnal Ecodemica: Jurnal Ekonomi, Manajemen, Dan Bisnis, 4(2), 364–373. https://doi.org/10.31294/jeco.v4i2.8702
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Published
2025-06-04
How to Cite
FRANSISKA, Welda; ISMANTO, Hadi.
Determinan Risiko Kredit Bank Umum di Indonesia.
REVITALISASI : Jurnal Ilmu Manajemen, [S.l.], v. 14, n. 1, p. 84-96, june 2025.
ISSN 2657-1684.
Available at: <https://ejournal.uniska-kediri.ac.id/index.php/Revitalisasi/article/view/7128>. Date accessed: 16 june 2025.
doi: https://doi.org/10.32503/revitalisasi.v14i1.7128.
Section
Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
This work is licensed under a Creative Commons Attribution 4.0 International License
