PENGARUH RISIKO KREDIT TERHADAP PROFITABILITAS (Studi Kasus Pada Bank Umum Swasta Nasional Devisa Tahun 2010-2014)

• Main Author: Herlina, - (Author)
• Format: Book
• Published: 2015-06-29.
• Subjects: Thesis; NonPeerReviewed
• Online Access: Link Metadata
• Notes: http://repository.upi.edu/22254/1/S_MBS_1105434_Title.pdf; http://repository.upi.edu/22254/3/S_MBS_1105434_Abstract.pdf; http://repository.upi.edu/22254/2/S_MBS_1105434_Table_of_content.pdf; http://repository.upi.edu/22254/4/S_MBS_1105434_Chapter1.pdf; http://repository.upi.edu/22254/5/S_MBS_1105434_Chapter2.pdf; http://repository.upi.edu/22254/6/S_MBS_1105434_Chapter3.pdf; http://repository.upi.edu/22254/7/S_MBS_1105434_Chapter4.pdf; http://repository.upi.edu/22254/8/S_MBS_1105434_Chapter5.pdf; http://repository.upi.edu/22254/9/S_MBS_1105434_Bibliography.pdf; http://repository.upi.edu/22254/10/S_MBS_1105434_Appendix1.pdf; http://repository.upi.edu/22254/11/S_MBS_1105434_Appendix2.pdf
• Keywords: HD28 Management. Industrial Management; HF Commerce; L Education (General)

Penelitian ini dilatarbelakangi oleh penurunan profitabilitas yang terjadi pada bank umum swasta nasional devisa tahun 2010-2014. Penelitian ini bertujuan untuk mengetahui 1) gambaran risiko kredit yang diukur dengan Non Performing Loan (NPL), 2) gambaran profitabilitas yang diukur dengan Return On Asset (ROA), 3) pengaruh risiko kredit terhadap profitabilitas. Metode penelitian yang digunakan dalam penelitian ini adalah deskriftif dan verifikatif. Teknik analisis yang digunakan adalah analisis regresi linear sederhana. Populasi dalam penelitian ini adalah Kelompok Bank Umum Swasta Nasional Devisa (BUSN Devisa) tahun 2010-2014 yang berjumlah 35 perusahaan. Sampel yang digunakan sebanyak 29 perusahaan pada bank umum swasta nasional devisa tahun 2010-2014 dengan menggunakan teknik pengambilan sampel purposive sampling. Hasil penelitian menunjukan variabel risiko kredit yang diukur dengan Non Performing Loan memiliki pengaruh negatif terhadap profitabilitas yang diukur dengan Return On Asset (ROA), artinya apabila risiko kredit meningkat maka tingkat profitabilitas akan menurun. Begitu pula sebaliknya apanila risiko kredit menurun maka profitabilitas meningkat. Kata Kunci: Risiko Kredit dan Profitabilitas The research was motivated by the decrease in profitability occurred in national private commercial bank foreign exchange 2010-2014. This research aimed to find out 1) the description of credit risk as measured by the Non Performing Loan (NPL), 2) the description of profitability as measured by return on assets (ROA), 3) the effect of credit risk to profitability. The method of this research used descriptive and verificative. The analysis technique used by simple linear regression analysis. The Population of this research is the National Private Bank Group Foreign Exchange (Foreign Exchange BUSN) 2010-2014 which amounted to 35 companies. The samples used were 29 companies on national private commercial bank foreign exchange period 2010-2014 by using purposive sampling technique. The results showed variable credit risk as measured by non-performing loans had a negative effect ion profitability as measured by return on assets (ROA), that means if the credit risk increases, the level of profitability will decline. Also if credit risk decreases then increases the profitability. Keywords: Credit Risk and Profitability