Pengaruh Pinjaman yang Diberikan dan BOPO Pada Profitabilitas dengan Risiko Kredit sebagai Pemoderasi

I Gede Hendra Dharma Wicaksana; I Wayan Ramantha

doi:10.24843/EJA.2019.v27.i02.p07

Pengaruh Pinjaman yang Diberikan dan BOPO Pada Profitabilitas dengan Risiko Kredit sebagai Pemoderasi

I Gede Hendra Dharma Wicaksana Fakultas Ekonomi dan Bisnis Universitas Udayana
I Wayan Ramantha Fakultas Ekonomi dan Bisnis Universitas Udayana

DOI: https://doi.org/10.24843/EJA.2019.v27.i02.p07

Abstract

Loans provided by banks can be said to be effective and efficient if there is no credit risk, namely bad credit. This study aims to examine the moderation of credit risk to loans and BOPO on the profitability of banks. Profitability in this research is measured using ROA, and loans given are measured by LDR, and efficiency is measured by BOPO. This research is an associative quantitative research. The population of this research is the banking sub-sector of companies listed on the Indonesia Stock Exchange in 2013 d. 2017. This sample was taken using a purposive sampling technique so that the samples obtained were 20 samples of the banking sub-sector companies. The data analysis used is the Moderated Regression Analysis (MRA) test. Based on the results of this study, it was found that credit risk weakened the lending relationship given to profitability and strengthened BOPO's relationship to profitability.

Keywords: Given loans, NPL, BOPO

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Published

2019-05-10

How to Cite

DHARMA WICAKSANA, I Gede Hendra; RAMANTHA, I Wayan. Pengaruh Pinjaman yang Diberikan dan BOPO Pada Profitabilitas dengan Risiko Kredit sebagai Pemoderasi. E-Jurnal Akuntansi, [S.l.], v. 27, n. 2, p. 1013 - 1037, may 2019. ISSN 2302-8556. Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/46855>. Date accessed: 28 apr. 2024. doi: https://doi.org/10.24843/EJA.2019.v27.i02.p07.

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