Aji, Mochamad Syafruddin (2023) Peran Profitabilitas Sebagai Variabel Intervening Hubungan Risiko Kredit Dan Efisiensi Terhadap Permodalan Pada Busn Devisa. Masters thesis, Universitas Hayam Wuruk Perbanas Surabaya.
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Abstract
Banks are financial institutions where one of their main activities is providing loans. This research aims to determine the role of Profitability, namely Return On Assets as an intervening variable in the relationship between credit risk, represented by Non Performing Loans and Reserves for impairment losses and Efficiency, represented by Operational Expenses on Operational Income to Capital, represented by the Capital Adequacy Ratio. The data analysis techniques used are descriptive statistical analysis of research variables, multiple regression analysis, path analysis, and the Sobel test which aims to measure the influence of intervening variables. The results of this research show that non-performing loans and reserves for impairment losses have a positive and insignificant effect on return on assets, operational expenses compared to operating income have a significant negative effect on return on assets, non-performing loans have a positive and insignificant effect on the Capital Adequacy Ratio, while Reserves for Impairment Losses, operational expenses compared to income, and Return on Assets have an insignificant negative effect on the Capital Adequacy Ratio, Return On Assets have an insignificant role on the relationship between non-performing loans, reserves for impairment losses, and Operating Expenses compared to Operating Income on Capital Adequacy Ratio. Based on research results, it is proven that capital is significantly influenced by efficiency and profitability. In this research, banks in their performance must pay great attention to low levels of efficiency to obtain higher income in order to produce better capital increases.
| Item Type: | Thesis (Masters) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.88 - CREDIT MANAGEMENT |
| Divisions: | Magister of Management |
| Depositing User: | Magang Magang |
| Date Deposited: | 15 Feb 2024 07:19 |
| Last Modified: | 15 Feb 2024 07:19 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/11952 |
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