FAKTOR-FAKTOR YANG MEMPENGARUHI RISIKO KREDIT PADA PORTOFOLIO KREDIT DI COMMERCIAL BANKING SURABAYA BASUKI RAHMAT PT. BANK MANDIRI Tbk.

PUTRA, HENDRA AKHIRUL (2014) FAKTOR-FAKTOR YANG MEMPENGARUHI RISIKO KREDIT PADA PORTOFOLIO KREDIT DI COMMERCIAL BANKING SURABAYA BASUKI RAHMAT PT. BANK MANDIRI Tbk. Masters thesis, STIE Perbanas Surabaya.

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Abstract

This study aimed to examine the effect of the company's fundamental performance and industry performance against credit risk and to examine the relationship of each variable in the study. Fundamental performance test consists of the following variables: the size of the companies represented by the variable accounting Gross Annual Sales (GAS); debt ratio (Debt to Equity Ratio / DER); rate of sales growth (Sales Growth); earnings growth (Net Income Growth); interest coverage; and performance of the industry is represented by Gross Domestic Product growth of each industry (GDP Growth). Data collection techniques used are secondary data, the internal data bank Surabaya Commercial Banking for the period 2012 and 2013 analytical tool used is the logit regression with the method of hypothesis testing used is a t-test. At the 90% confidence level of the results showed that of all the variables in the fundamental performance of the company and industry performance variables that significantly affect the credit risk is the Gross Annual Sales (GAS), which is an indicator of the size of the company the amount of sales per year with a t value of 0.098. Keywords : Credit Risk, Fundamental company performance factor, Industry Performance factor

Item Type: Thesis (Masters)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
300 - SOCIAL SCIENCE > 332.17 - BANKING SERVICES
Divisions: Magister of Management
Depositing User: Perpustakaan STIE Perbanas Surabaya
Date Deposited: 25 Jul 2016 05:13
Last Modified: 25 Jul 2016 05:13
URI: http://eprints.perbanas.ac.id/id/eprint/224

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