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The Effect of Credit Risk and Efficiency on Capital Adequacy With Proftiability as Intervening Variables

Aji, Mochamad Syafruddin and Kristijadi, Emanuel (2022) The Effect of Credit Risk and Efficiency on Capital Adequacy With Proftiability as Intervening Variables. In: The 4th International Conference on Business and Banking Innovations (ICOBBI) 2022.

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Abstract

Bank is a financial institution whose main activity is collecting funds from the public which is often referred to as Funding and channeling funds back to the community which is often referred to as Lending in order to improve people's living standards. The Indonesian economy is strongly influenced by banking business activities. Economic activities require banks to be able to give trust to the public as financial intermediary institutions to run their business activities efficiently. Banking players are aware that in carrying out the function of financial services, banks are in a risky business. The risk faced by banks related to credit is credit risk and results in the emergence of non-performing loans. In addition, banks are also required to operate with a high level of efficiency so that the bank's performance is assessed as good. Credit risk, efficiency management, and profitability are indicators of banking performance measurement that will affect the capital capacity of a bank, it is the most appropriate parameter or measuring instrument to assess bank performance. The purpose of this study was to determine the significance of the effect of credit risk, efficiency, profitability on capital adequacy. The method used is a quantitative method with multiple regression analysis. To determine the population, a purposive sampling method is used, namely the National Private Commercial Bank. Keywords: Credit Risk, Profitability, Efficiency, Capital Adequacy, and Intervening variable.

Item Type: Conference or Workshop Item (Paper)
Subjects: 600 - TECHNOLOGY > 658 - GENERAL MANAGEMENT > 658.88 - CREDIT MANAGEMENT
Divisions: ICOBBI (International Conference of Business and Banking Innovations)
Depositing User: Perpustakaan Universitas Hayam Wuruk Perbanas Surabaya
Date Deposited: 22 Jun 2022 03:35
Last Modified: 28 Jun 2022 02:25
URI: http://eprints.perbanas.ac.id/id/eprint/9264

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