Handoko, Lorentia (2025) Pengaruh Kredit, Risiko Kredit, Dan Efisiensi Operasi Terhadap Profitabilitas Dengan Moderasi Komisaris Independen. Masters thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
Bank profitability is a key indicator of financial health and performance, which plays an important role in supporting financial system stability and regional economic development. However, data shows that the profitability performance of conventional Regional Development Banks (BPD) in Indonesia is consistently lower than that of non-BPD banks, both in terms of Return on Assets (ROA) and Return on Equity (ROE). This phenomenon raises questions about the factors influencing BPD profitability and to what extent corporate governance, particularly the role of independent commissioners, can strengthen this relationship. This study aims to analyse the influence of credit disbursement, credit risk, and operational efficiency on BPD profitability, as well as to examine the role of independent commissioners as a moderating variable. The method used is quantitative with panel data regression, using secondary data from 23 conventional BPDs during the period 2013–2023. The results indicate that the Loan to Deposit Ratio (LDR) has a significant positive effect on ROA and ROE, while Non-Performing Loans (NPL) and operational efficiency ratios (POBO) do not have a significant effect. Furthermore, the proportion of independent commissioners does not positively moderate the relationship between credit distribution and profitability. This finding confirms the need to strengthen independent supervisory functions in order to improve intermediation effectiveness, strengthen governance, and boost the financial performance of regional development banks. Keywords: Operational Efficiency, Independent Commissioners, Credit, Profitability, Credit Risk.
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 650 - MANAGEMENT & AUXILIARY SERVICES |
| Divisions: | Magister of Management |
| Depositing User: | LORENTIA HANDOKO |
| Date Deposited: | 20 Sep 2025 04:08 |
| Last Modified: | 20 Sep 2025 04:08 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13802 |
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