PENGARUH RISIKO KREDIT DAN TINGKAT KECUKUPAN MODAL TERHADAP PROFITABILITAS PERBANKAN YANG LISTING DI BEI PERIODE 2015-2019

Abstract

Abstrak: Pengaruh Risiko Kredit Dan Tingkat Kecukupan Modal Terhadap Profitabilitas Perbankan Yang Listing Di BEI Periode 2015-2019. Penelitian bertujuan untuk mengetahui pengaruh Risiko Kredit dan Tingkat Kecukupan Modal Terhadap Profitabilitas Perbankan yang Listing Di BEI Periode 2015-2019 dan ada 43 perbankan listing di BEI. Sample diambil 10 perusahaan perbankan. Teknik sampling yang digunakan purposive sampling. Data di analisis dengan analisis risiko kredit, analisis tingkat kecukupan modal, analisis profitabilitas, uji asumsi klasik, uji parsial dan uji serempak. Secara parsial dan serempak hasil menunjukan resiko kredit dan tingkat kecukupan modal berpengaruh signifikan terhadap profitabilitas. sedangkan secara serempak menyatakan bahwa ada pengaruh yang signifikan resiko kredit dan tingkatkan kecukupan modal terhadap profitabilitas.

Kata kunci: Profitabilitas, Risiko Kredit, Tingkat Kecukupan Modal.

Abstract: Effect of Credit Risk and Capital Adequacy Levels Profitability of Banks Listing on the IDX for the 2015-2019 Period. This study aims to determine the effect of Credit Risk and Capital Adequacy Level on the Profitability of Banks Listed on the IDX for the 2015-2019 period, and there are 43 banks listed on the IDX. Samples were taken from 10 banking companies. The sampling technique used was purposive sampling. The data were analyzed by credit risk analysis, capital adequacy level analysis, profitability analysis, classical assumption test, partial test and simultaneous test. Partially and simultaneously the results show that credit risk and the level of capital adequacy have a significant effect on profitability. while simultaneously stating that there is a significant effect of credit risk and increasing capital adequacy on profitability.

Keywords: Profitabilitas, Credit Risk, Capital Adequacy Level.