AN EXAMINATION OF THE MODERATION ROLE OF THIRD-PARTY FUNDS' GROWTH IN THE RELATIONSHIP BETWEEN CREDIT RISK, FINANCIAL PERFORMANCE, AND CAPITAL ADEQUACY

Titin Hartini; Niar Astaginy; Imam Jayanto

Authors

Titin Hartini UIN Raden Fatah Palembang
Niar Astaginy Universitas Sembilanbelas November Kolaka
Imam Jayanto Sam Ratulangi University

Keywords:

Capital Adequacy, Credit Risk, Financial Performance, Growth of Third Party Funds

Abstract

This study aims to determine the effect of capital adequacy and credit risk on financial performance in moderation of the growth of third-party funds. The population in this study is the banking sector listed on the Indonesia Stock Exchange from 2016 to 2022 based on the purposive sampling technique, 16 companies were obtained. In this study using moderation regression analysis. The results of this study are that capital adequacy does not affect financial performance, credit risk has a negative effect on financial performance, the growth of third-party funds cannot moderate the effect of capital adequacy and credit risk on financial performance.

Downloads

Download data is not yet available.

References

W. F. Pinasti and R. R. I. Mustikawati, “Pengaruh CAR, BOPO, NPL, NIM dan LDR terhadap profitabilitas bank umum periode 2011-2015,” Nominal Barom. Ris. Akunt. dan Manaj., vol. 7, no. 1, pp. 126–142, 2018.

N. L. P. Agustini, N. L. P. Wiagustini, and I. B. A. Purbawangsa, “Pengaruh Kecukupan Modal Dan Risiko Kredit Terhadap Profitabilitas: Likuiditas Sebagai Pemediasi Pada Bank Perkreditan Rakyat di Kabupaten Badung,” E-Jurnal Ekon. Dan Bisnis Univ. Udayana, vol. 6, no. 6, pp. 2161–2192, 2017.

N. K. D. Apriyantari and I. W. Ramantha, “Pengaruh Aktiva Produktif, Kecukupan Modal, dan LDR Terhadap Kinerja Keuangan dengan NPL Sebagai Variabel Moderasi,” E-Jurnal Akunt. Univ. Udayana, vol. 23, no. 3, pp. 2034–2060, 2018.

P. I. Dewi and I. K. Suryanawa, “Pengaruh NPL, LDR, dan CAR pada ROA Perusahaan Perbankan yang Terdaftar di BEI Tahun 2014-2016,” EJurnal Akunt. Univ. Udayana, vol. 24, no. 3, 2018.

R. R. N. Korompis, S. Murni, and V. N. Untu, “Pengaruh Risiko Pasar (NIM), Risiko Kredit (NPL), dan Risiko Likuiditas (LDR) terhadap Kinerja Keuangan Perbankan (ROA) pada Bank yang Terdaftar di LQ 45 Periode 2012-2018,” J. EMBA J. Ris. Ekon. Manajemen, Bisnis Dan Akunt., vol. 8, no. 1, 2020.

Sugiyono, Cara Mudah Belajar SPSS dan LISREL Teori dan Aplikasi untuk Analisis Data Peneliian. Bandung: CV Alfabeta, 2017.

Sugiyono, “Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta, CV.” CV Alfabeta, Bandung, 2017.

Sugiyono, “Sugiyono, Metode Penelitian,” Uji Validitas, 2016.

F. Sampe, M. Yusuf, D. L. Pakiding, A. Haryono, and S. Sutrisno, “APPLICATION OF DIGITAL MARKETING IN MAINTAINING MSMES DURING THE COVID-19 PANDEMIC,” J. Darma Agung, vol. 30, no. 2, pp. 663–676, 2022.

I. Ghozali, “Application Analysis Multivariate with the SPSS Program.” Semarang: Publishing Agency Diponegoro University, 2006.

M. Yusuf, H. Betty, and M. Sihombing, “The Effect of Product and Service Quality on Consumer Loyalty at Palopo Minimarkets,” no. December, 2022, doi: 10.24042/febi.v7i2.14430.

O. R. Jyana and A. Affandi, “Dana pihak ketiga, kecukupan modal, risiko kredit, dan nilai tukar terhadap profitabilitas,” J. Ris. Akunt. Kontemporer, vol. 11, no. 2, pp. 69–77, 2019.

M. Wenno and A. S. Laili, “Analisis Pengaruh CAR, NPL, NIM dan LDR terhadap Return on Asset (Studi Pada Bank Umum Konvensional yang Terdaftar di BEI),” INOBIS J. Inov. Bisnis dan Manaj. Indones., vol. 2, no. 4, pp. 513–528, 2019.

M. Monica, “Analisis pengaruh CAR, NPL, NIM, BOPO dan LDR terhadap ROE pada bank umum swasta nasional devisa di Indonesia,” J. Manaj. Bisnis dan Kewirausahaan, vol. 3, no. 3, 2019.

A. Afiyati, S. Murni, and P. Hariadi, “Keunggulan Bersaing Sebagai Variabel Mediasi Pada Pengaruh Strategi Diferensiasi Dan Orientasi Pasar Terhadap Kinerja Bisnis Umkm Di Kabupaten Purbalingga,” J. Ekon. Bisnis, dan Akunt., vol. 21, no. 3, 2019, doi: 10.32424/jeba.v21i3.1371.

U. Sudarma, “Pendidikan Karakter Dalam Mewujudkan Sumber Daya Manusia Berdaya Saing Menuju Indonesia Emas 2045,” Sharia J. Kaji. Islam, 2022, [Online]. Available: https://journal.staialandina.ac.id/index.php/sharia/article/view/4

P. W. Kumaralita and A. Purwanto, “Analisis Pengaruh Risiko Kredit Terhadap Profitabilitas (Studi Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2014-2017),” Diponegoro J. Account., vol. 8, no. 1, 2019.

H. Hamzah, M. Yusuf, and M. Said, “OPTIMALISASI PELAYANAN APARATUR SIPIL NEGARA PASCA GEMPA BUMI: STUDI KASUS: PADA SEKRETARIAT DAERAH PROVINSI SULAWESI BARAT,” J. Paradig. Adm. Negara, vol. 4, no. 2, pp. 91–98, 2022.

B. Indonesia, “Standard Chartered Bank,” 2013.

D. B. Yuristio W, “Analisis Pengaruh Tabungan, Deposito Dan Giro Terhadap Kredit Dan Laba Bank Umum Di Indonesia.” Universitas Brawijaya, 2018.

H. SANTOSO, “ANALISIS PENGARUH RASIO KECUKUPAN MODAL, LIKUIDITAS, DAN RISIKO KREDIT TERHADAP KINERJA KEUANGAN PERBANKAN (Studi Empiris Perusahaan Perbankan yang terdaftar di BEI Periode 2016-2018).” UNISNU Jepara, 2020.

R. Agustina, M. Yusuf, O. S. J. Sutiyan, R. Ardianto, and N. Norvadewi, “EMPLOYEE PERFORMANCE MEDIATED QUALITY OF WORK LIFE RELATIONSHIP SATISFACTION ON THE JOB AND ORGANIZATIONAL COMMITMENT,” J. Darma Agung, vol. 30, no. 2, pp. 589–605, 2022.

W. Kurniadi, L. Natalia, A. Lotte, P. A. Cakranegara, F. Sampe, and M. Yusuf, “HANAN WEDDING PLANNER ’ S MARKETING COMMUNICATION STRATEGY FOR INCREASING SALES IN THE COVID-19 PANDEMIC ERA ON THE TIKTOK APP,” vol. 11, no. 03, pp. 1359–1364, 2022.

A. A. N. Kalkhouran, S. Z. A. Rasid, S. Sofian, and B. H. N. Nedaei, “A conceptual framework for assessing the use of strategic management accounting in small and medium enterprises,” Glob. Bus. Organ. Excell., vol. 35, no. 1, pp. 45–54, 2015.