PENGARUH PROFIL RISIKO TERHADAP KINERJA KEUANGAN (Studi pada Perbankan yang Terdaftar di BEI Periode 2015-2017)
Keywords:
Risk Profile, Net Open Position, Non Performing Loan, Loan to Deposit Ratio, Return On AssetAbstract
This study examines how the influence of risk profiles (NOP, NPL, and LDR) on the financial
performance (ROA) for three years, from 2015 to 2017. Financial data is taken from official IDX site
with a sample of 25 companies selected with perposive sampling method and associative research type.
The results of multiple linear regression test showed that the movement of ROA is not influenced by NOP
and NPL, but LDR can positively and significantly influence the movement of ROA. This risk profile is a
way for monitoring of risk that often experienced by banking companies. Bank Indonesia has limited the
maximum value of each risk profile, so each bank can minimize the impact of risk. NOP and NPL in this
study have not an effect on ROA, because it was still below the maximum limit. Practical implications for
all banking to pay more attention to the risk profiles. Most important to LDR, because in 2015 LDR
touched the maximum value
