Sistiyarini, Evi and Effendi, Moch Bisyri and Sunani, Avi (2021) Analysis of the Factors on the Performance of Regional Development Banks in Indonesia. International Journal of Business Marketing and Management, 6 (7). pp. 62-73. ISSN 2456-4559
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Abstract
This study aims to analyse the impact of external factors and internal factors on the risk factors of regional development bank. Sample used in this study is regional development banks in Indonesia in the period of 2015 – 2019. The sampling technique in this study uses a purposive sampling technique, where the sampling is based on the criteria that have been determined by the researcher. Sources of data used in this study were taken from the website of the regional development bank, Central Bank of Indonesia, and Central Statistics Agency (BPS). The data analysis technique in this study used multiple linear regression, where the stages were carried out through two stages, namely, descriptive analysis and inferential analysis. External factors in this research are BI Rate, inflation, exchange rate and GDP (Gross Domestic Product). Internal factors in this study are credit growth, asset growth and third party funds. Credit risk in this study uses the value of Reserve for Impairment Losses. The results show that internal factors that significantly influence bank risk factors are the BI rate and GDP (Gross Domestic Product). Internal factors that significantly influence credit risk factors are credit growth, asset growth and third party funds, while the most influential factor on credit risk is asset growth. Keywords: Internal Factors, External Factors, Bank Credit Risk, regional development bank.
| Item Type: | Article |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Lecturer |
| Depositing User: | Perpustakaan Universitas Hayam Wuruk Perbanas |
| Date Deposited: | 22 Aug 2022 07:25 |
| Last Modified: | 22 Aug 2022 07:25 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/3929 |
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