Pengaruh Kecukupan Modal, Penyaluran Kredit dan Efisiensi Operasional pada Risiko Kredit

  • Ida Ayu Mas Indira Pramesti Fakultas Ekonomi dan Bisnis Universitas Udayana
  • I Gde Ary Wirajaya Fakultas Ekonomi dan Bisnis Universitas Udayana
DOI: https://doi.org/10.24843/EJA.2019.v28.i03.p26

Abstract

Banks that have high levels of bad credit, risk bankruptcy. Knowing the factors that influence credit risk will deal with the risk of non-performing loans earlier. The factors studied to determine the effect on credit risk are capital adequacy, credit distribution, and operational efficiency. By using a purposive sampling method to determine the sample, a sample of 120 companies with a period of 3 years of observation, namely 2015 to 2017, obtained 1440 observation samples. Multiple linear regression is a data analysis technique used. The results obtained after conducting the analysis are capital adequacy, credit distribution, and operational efficiency have a positive influence on credit risk.


Keywords : Capital Adequacy, credit distribution, operational efficiency, credit risk.

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Published
2019-09-12
How to Cite
INDIRA PRAMESTI, Ida Ayu Mas; WIRAJAYA, I Gde Ary. Pengaruh Kecukupan Modal, Penyaluran Kredit dan Efisiensi Operasional pada Risiko Kredit. E-Jurnal Akuntansi, [S.l.], v. 28, n. 3, p. 2050 - 2064, sep. 2019. ISSN 2302-8556. Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/50854>. Date accessed: 26 apr. 2024. doi: https://doi.org/10.24843/EJA.2019.v28.i03.p26.
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Issue
Vol 28 No 3 (2019)
Section
Artikel

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