Deskriptif Implementasi Penerapan Good Corporate Governance dalam Meminimalisir Non Performing Loan pada Karyawan PT. BPR Wingsati

Simanjuntak, Evo Sofyan (2024) Deskriptif Implementasi Penerapan Good Corporate Governance dalam Meminimalisir Non Performing Loan pada Karyawan PT. BPR Wingsati. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Tujuan penelitian ini adalah untuk menganalisis dan mengetahui pengaruh struktur kepemilikan, efektivitas dewan komisaris, serta penerapan prinsip GCG terhadap Non-Performing Loan (NPL) di BPR Wingsati. Data yang digunakan dalam penelitian ini merupakan data primer yang diperoleh melalui penyebaran kuesioner kepada pegawai BPR Wingsati. Populasi penelitian terdiri dari 25 pegawai, dengan teknik pengambilan sampel menggunakan metode sampel jenuh, yang berarti seluruh populasi dijadikan sebagai sampel. Data tersebut disajikan dalam bentuk numerik menggunakan skala Likert dan diolah menggunakan SPSS for Windows versi 27. Metode analisis data yang digunakan adalah metode kuantitatif melalui analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel struktur kepemilikan, efektivitas dewan komisaris, dan penerapan prinsip GCG secara simultan berpengaruh signifikan terhadap NPL dengan nilai F-hitung sebesar 6,309 lebih besar dari F-tabel 3,05 dan nilai signifikansi 0,003 yang lebih kecil dari 0,05. Oleh karena itu, Ho ditolak dan Ha diterima, yang berarti hipotesis diterima. Berdasarkan hasil uji t pada variabel struktur kepemilikan, diperoleh nilai t-hitung sebesar (-0,978) lebih kecil dari t-tabel 2,03951 dengan nilai signifikansi 0,339 lebih besar dari 0,05, yang berarti secara parsial struktur kepemilikan tidak berpengaruh signifikan terhadap NPL. Pada variabel efektivitas dewan komisaris, nilai t-hitung sebesar 2,115 lebih besar dari t-tabel 2,03951 dengan nilai signifikansi 0,047 lebih kecil dari 0,05, menunjukkan bahwa dewan komisaris secara parsial berpengaruh signifikan terhadap NPL. Demikian juga, penerapan prinsip GCG menunjukkan t-hitung sebesar 2,672 lebih besar dari t-tabel 2,03951 dan nilai signifikansi 0,014 lebih kecil dari 0,05, yang berarti penerapan prinsip GCG secara parsial berpengaruh signifikan terhadap NPL. Nilai koefisien determinasi (R²) sebesar 0,474 menunjukkan bahwa 47,4% variasi NPL di BPR Wingsati dipengaruhi oleh struktur kepemilikan, efektivitas dewan komisaris, dan penerapan prinsip GCG. Kata kunci: Good Corporate Governance (GCG), Non Performing Loan (NPL), Dewan Komisaris, Struktur Kepemilikan, PT. BPR Wingsati. / The purpose of this study is to analyze and determine the influence of the ownership structure, the effectiveness of the board of commissioners, and the application of GCG principles to Non-Performing Loans (NPL) at BPR Wingsati. The data used in this study is primary data obtained through the distribution of questionnaires to BPR Wingsati employees. The research population consisted of 25 employees, with a sampling technique using the saturated sample method, which means that the entire population was used as a sample. The data is presented in numerical form using the Likert scale and processed using SPSS for Windows version 27. The data analysis method used is a quantitative method through multiple linear regression analysis. The results showed that the variables of ownership structure, the effectiveness of the board of commissioners, and the application of GCG principles simultaneously had a significant effect on NPLs with an F-count value of 6.309 greater than the F-table of 3.05 and a significance value of 0.003 which is less than 0.05. Therefore, Ho is rejected and Ha is accepted, which means the hypothesis is accepted. Based on the results of the t-test on the ownership structure variable, a t-calculated value of (-0.978) was obtained that was smaller than the t-table 2.03951 with a significance value of 0.339 greater than 0.05, which means that partially the ownership structure did not have a significant effect on NPLs. In the variable of the effectiveness of the board of commissioners, the t-count value of 2.115 is greater than the t-table of 2.03951 with a significance value of 0.047 is less than 0.05, indicating that the board of commissioners partially has a significant effect on NPL. Likewise, the application of GCG principles shows that the t-count of 2.672 is greater than the t-table of 2.03951 and the significance value of 0.014 is less than 0.05, which means that the application of GCG principles partially has a significant effect on NPLs. The value of the determination coefficient (R²) of 0.474 shows that 47.4% of the NPL variation in BPR Wingsati. Keywords: Good Corporate Governance (GCG), Non-Performing Loan (NPL), Board of Commissioners, Ownership Structure, PT. BPR Wingsati.

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