Pengaruh Likuiditas, Ukuran Perusahaan, dan Jaminan Simpanan Terhadap Risiko Bank

Tanisa Diva Rosnariani, Nurdin Nurdin, Lasmanah Drajat

Abstract


Abstrack. Bank risk as an indicator that can determine how much a bank can control the risks that can determine how much a bank can control the risks that will be faced. This research examines how liquidity, company size, and deposit guarantee affect bank risk. The sample collection technique used in this study used purposive sampling with the specified characteristics and obtained as many as 6 Conventional Commercial Bank listed on the Indonesia Stock Exchange. The analysis technique used in this study is liniear regression analysis, classic assumption test, and hypothesis testing. F-test results state that the independent variables together have a significant effect on the dependent variabel. T-test results state that liquidity has no effect on bank risk, company size has a significant influence on bank risk, and deposit insurance has no effect on bank risk.

Keyword : Liquidity, Firm Size, Deposit Insurance


Abstrak. Risiko bank sebagai indikator yang dapat menentukan seberapa besar suatu bank dapat mengendalikan risiko yang akan dihadapi. Penelitian ini meneliti mengenai bagaimana pengaruh likuiditas, ukuran perusahaan, dan penjaminan simpanan terhadap risiko bank.  Teknik pengumpulan sampel yang digunakan dalam penelitian ini menggunakan purposive sampling dengan karakteristik yang ditentukan dan mendapatkan sebanyak 6 Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia. Teknik analisis yang digunakan dalam penelitian ini adalah analisis regresi linear, uji asumsi klasik, serta uji hipotesis. Hasil uji-F menyatakan bahwa variabel-variabel independen secara bersama-sama berpengaruh signifikan terhadap variabel dependen. Hasil uji-T menyatakan bahwa likuiditas tidak berpengaruh terhadap risiko bank, ukuran perusahaan berpengearuh signifikan terhadap risiko bank, serta penjaminan simpanan tidak erpengaruh terhadap risiko bank.

Kata Kunci : Likuiditas, Ukuran Perusahaan, Penjaminan Simpanan, Risiko Bank

Keywords


Likuiditas, Ukuran Perusahaan, Penjaminan Simpanan, Risiko Bank

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References


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DOI: http://dx.doi.org/10.29313/.v6i2.23303

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