Penerapan Manajemen Risiko Pada Tingkat Efisiensi Keuangan Di Bank DKI Jakarta

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  • 21 Aug
  • 2021

Penerapan Manajemen Risiko Pada Tingkat Efisiensi Keuangan Di Bank DKI Jakarta

Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way
management manages risk. Financial services authority regulation number 18 /pojk.03/2016
issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team.
Risk management problems in the banking world are related to the losses they experience, and
Regional Development Banks are expected to be able to detect maximum losses that may arise in
the future. This team is obliged to control various aspects of risk management in each bank and
observe the impact of risk management implementation. This study aims to determine the efficiency
level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of
financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by
the method of Operating Expenses from Operating Income. The data used as the object of this
research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1,
X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or
35.9% which means that the variation in efficiency level can be explained by financing risk,
operational risk and liquidity risk, the remaining 64.1% can be explained from other variables
outside, for previous related studies there is no similarity in the influence of independent (x) and
dependent (Y) values, because of differences in values generated from SPSS processing data. Based
on the results of statistical tests and discussion analysis, it is known that financing risk, operational
risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk
has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.

Unduhan

 

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