RISIKO UTAMA DAN PENGARUHNYA PADA PROFITABILITAS BANK
DOI:
https://doi.org/10.37932/j.e.v11i2.300Abstrak
Industri perbankan merupakan industri yang istimewa. Bank tidak membeli barang untuk dijual seperti perusahaan dagang, bank tidak hanya menyediakan jasa tetapi juga menyediakan dana, dan bank tidak memproduksi apa pun. Karena keunikannya ini bank dikategorikan ke industri tersendiri. Industri perbankan memiliki peranan yang krusial terutama di Indonesia di mana pendanaan masih berbasis perbankan. Oleh karena peran bank yang vital maka pemerintah mengatur regulasi perbankan dengan ketat. Bank menghadapi berbagai jenis risiko. Dalam operasionalnya seakan keberadaan regulasi dan berbagai risiko ini mencegah bank untuk memaksimalkan profitabilitas. Penelitian ini menghubungkan antara risiko utama yang dihadapi bank dengan profitabilitas bank. Metode penelitian yang digunakan adalah metode kuantitatif dengan menggunakan metode statistik regresi linear berganda. Data yang digunakan adalah data panel yang diambil dari laporan keuangan bank. Hasil dari penelitian menunjukkan bahwa risiko utama bank mempengaruhi secara signifikan profitabilitas bank di mana masing-masing bagian dari risiko utama juga berpengaruh signifikan. Temuan ini memiliki konsekuensi bahwa pengaturan risiko merupakan hal yang vital bagi bank. Selian itu bank dengan memperhatikan faktor-faktor risiko tetap dapat mengoptimalkan profitabilitas jika pertambahan risiko lebih kecil dari pertambahan profitabilitas.Referensi
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