FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP TINGKAT RESIKO KREDIT PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA TAHUN 2009-2013

Abstract

In this research has the objective to determine the effect of CAR, LDR, company size and ROA on the level of credit risk in the banking companies listed in Indonesia Stock Exchange 2009-2013 period either partially or simultaneously. The hypothesis in this study are: Suspected CAR, LDR, company size and ROA significant effect on the level of credit risk in the banking companies listed in Indonesia Stock Exchange 2009-2013 period either partially or simultaneously. Data needed in this research is secondary data obtained from the financial statements of banking companies listed on the Stock Exchange, respectively, where the sample is 28 companies with year study period from 2009 to 2013 so that the amount of research data is 140 data. Analysis of the data used in this research is multiple linear regression, t test, F test and coefficient of determination. The results of data analysis in this study can be concluded that the CAR, LDR, company size and ROA significant effect on the level of credit risk in the banking companies listed in Indonesia Stock Exchange 2009-2013 period either partially or simultaneously. Keywords: CAR, LDR, firm size, ROA and the level of credit risk.