ANALISIS PENGARUH DANA PIHAK KETIGA, PENYALURAN KREDIT, KREDIT BERMASALAH DAN KECUKUPAN MODAL TERHADAP RISK DAN RETURN PADA SUB-SEKTOR PERBANKAN SEBELUM, SEMASA DAN SESUDAH PANDEMI COVID-19

Yusuf, Otniel Edwina Priscilla (2024) ANALISIS PENGARUH DANA PIHAK KETIGA, PENYALURAN KREDIT, KREDIT BERMASALAH DAN KECUKUPAN MODAL TERHADAP RISK DAN RETURN PADA SUB-SEKTOR PERBANKAN SEBELUM, SEMASA DAN SESUDAH PANDEMI COVID-19. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Return dan risk merupakan dasar yang digunakan dalam pengambilan keputusan investasi. Penelitian ini bertujuan untuk mengetahui ada atau tidaknya pengaruh antara dana pihak ketiga, penyaluran kredit, kredit bermasalah dan kecukupan modal terhadap risk dan return pada perusahaan sub-sektor perbankan. Metode yang digunakan dalam penelitian ini ialah pendekatan kuantitatif. Sampel dalam penelitian ini adalah seluruh perusahaan perbankan yang berada dalam naungan Badan Usaha Milik Negara periode sebelum, semasa dan setelah pandemi covid-19. Teknik pengambilan sampel menggunakan teknik purposive sampling. Teknik pengumpulan data melalui data sekunder. Secara parsial, hasil penelitian ini menunjukkan tidak adanya pengaruh antara faktor dana pihak ketiga, penyaluran kredit, kredit bermasalah dan kecukupan modal terhadap return baik sebelum dan semasa pandemi covid-19. Namun, pada periode setelah pandemi covid-19 hanya faktor dana pihak ketiga berpengaruh terhadap return. Secara parsial, tidak terdapat pengaruh antara faktor dana pihak ketiga, penyaluran kredit, kredit bermasalah dan kecukupan modal terhadap risk sebelum covid-19. Namun, pada periode semasa dan setelah pandemi covid-19 hanya faktor penyaluran kredit berpengaruh terhadap risk. Kata Kunci: Perbankan, covid-19, risk dan return, dana pihak ketiga, penyaluran kredit, kredit bermasalah, kecukupan modal, saham / Return and risk are the basis used in making investment decisions. This research aims to determine whether or not there is an influence between third party funds, loan to deposit, non-performing loans and capital adequacy on risk and return in banking sub-sector companies. The method used in this research is a quantitative approach. The samples in this research were all banking companies under the auspices of State-Owned Enterprises for the period before, during and after the Covid-19 pandemic. The sampling technique uses purposive sampling technique. Data collection techniques through secondary data. Partially, the results of this research show that there is no influence between third party funding, loan to deposit, non-performing loans and capital adequacy on returns both before and during the Covid-19 pandemic. However, in the period after the Covid-19 pandemic, only third party funds had an influence on returns. Partially, there is no influence between third party funds, loan to deposit, non-performing loans and capital adequacy on risk before Covid-19. However, during and after the Covid-19 pandemic, only credit distribution factors influenced risk. Keywords: Banking, Covid-19, risk and return, third party funds, loan to deposit, non-performing loans, capital adequacy, stocks

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