Determinan Ketahanan Bank di Masa Pandemi: Studi Kasus Bank Perkreditan Rakyat di Indonesia

نویسندگان

چکیده

Penelitian ini bertujuan untuk mengidentifikasi faktor penentu ketahanan bank di masa pandemi, khususnya pada Bank Perkreditan Rakyat. Data yang digunakan merupakan data bulanan periode Januari 2019 sampai dengan 2021 sebagai sampel desain dan validasi. Dengan analisis regresi logistik diperoleh hasil bahwa capital adequacy ratio, net interest margin, return on asset, cash ratio loan to deposit memiliki pengaruh positif signifikan terhadap bank. Sementara itu, non performing loan, biaya operasional pendapatan operasional, berpengaruh negatif Sedangkan, off balanced tidak Studi menegaskan BPR perlu menyempurnakan strategi pengelolaan bisnisnya termasuk terkait dana pihak ketiga dalam menjalankan fungsi intermediasinya efisiensi bisnis. memerlukan model prediksi selama pandemi memitigasi risiko.

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ژورنال

عنوان ژورنال: JIIP (Jurnal Ilmiah Ilmu Pendidikan)

سال: 2023

ISSN: ['2614-8854']

DOI: https://doi.org/10.54371/jiip.v6i4.1619