Pengaruh Risiko Likuiditas dan Risiko Kredit serta Pertumbuhan Ekonomi terhadap Stabilitas Bank
DOI:
https://doi.org/10.30872/jkin.v21i1.14746Keywords:
Risiko Likuiditas, Risiko Kredit, PDRB, Stabilitas BankAbstract
Tujuan penelitian ini adalah untuk menelaah pengaruh risiko likuiditas, risiko kredit dan pertumbuhan ekonomi terhadap stabilitas bank. Peneliti menggunakan pendekatan kuantitatif dengan populasi dan sampel seluruh Bank Pembangunan Daerah (BPD) di Indonesia. Metode pengumpulan data menggunakan literatur dan dokumentasi dari laporan publikasi. Sedangkan alat analisis yang digunakan dalam penelitian ada dua yaitu statistik deskriptif dan regresi data panel. Pengujian analisis akan dilakukan menggunakan alat bantu software Eviews versi 12. Hasil penelitian ini menunjukkan bahwa secara simultan variabel risiko likuiditas, risiko kredit dan PDRB secara bersamaan berpengaruh signifikan terhadap stabilitas bank. Secara parsial, variabel yang berpengaruh signifikan adalah risiko kredit berpengaruh negatif terhadap stabilitas bank. Sedangkan risiko likuiditas berpengaruh negatif namun tidak signifikan dan PDRB berpengaruh positif namun tidak signifikan terhadap stabilitas bank.
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