Indrihartini, Tjong (2025) Pengaruh Risiko dan Efisiensi Operasional Terhadap Profitabilitas Dengan Moderasi Komposisi Komisaris Wanita Pada Bank Pembangunan Daerah. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
This study aims to analyze the effect of risk and operational efficiency on the profitability of Regional Development Banks (RDBs) in Indonesia, with the composition of women commissioners as a moderating variable. The research uses annual financial reports of 23 conventional RDBs registered with the Financial Services Authority (OJK) during the 2018–2023 period, resulting in 138 observations. The analytical method employed is multiple linear regression, applied to both models with and without the moderating variable. The results reveal that credit risk (NPL) has a negative and significant effect on profitability in the model without moderation, but becomes insignificant when moderated by the composition of women commissioners. Liquidity (LDR) shows a positive and significant effect on profitability in both models. Operational efficiency (BOPO) also has a positive and significant effect on profitability, regardless of moderation. Furthermore, the composition of women commissioners has a positive and significant effect on profitability, although its interaction with credit risk (WWC*NPL) does not show a significant effect. Overall, the findings highlight that managing risk, liquidity, and operational efficiency is crucial in improving the profitability of RDBs. In addition, the presence of women on the board of commissioners contributes positively to bank financial performance, although its moderating role in the relationship between credit risk and profitability remains limited. Keywords: Credit Risk, Liquidity, Operational Efficiency, Women Commissioners, Profitability, Regional Development Banks
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 650 - MANAGEMENT & AUXILIARY SERVICES |
| Divisions: | Magister of Management |
| Depositing User: | TJONG INDRIHARTINI |
| Date Deposited: | 19 Sep 2025 06:37 |
| Last Modified: | 19 Sep 2025 06:37 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13794 |
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