CD Skripsi

Pengaruh Efisiensi Operasional Dan Ekspansi Kredit Terhadap Profitabilitas Dengan Green Banking Sebagai Variabel Moderasi Pada Emiten Perbankan Di Bursa Efek Indonesia Periode 2020-2024

---

ABSTRACT
The banking sector plays a crucial role in a nation's economy, serving not only as a guardian of financial stability but also as an institution responsible for addressing environmental issues. Although not directly contributing to pollution, banks can promote sustainability through green banking practices. Indonesian banking profitability has shown a declining trend from 2013 to 2024, despite well-functioning intermediation as reflected in increasing Third-Party Funds (DPK) and credit distribution. This study aims to analyze the impact of operational efficiency (measured by BOPO) and credit expansion (measured by LDR) on profitability (ROA), with green banking (measured by the Green Banking Disclosure Index/GBDI) as a moderating variable. The research population includes 47 banks listed on the Indonesia Stock Exchange (2020-2024), with a sample of 32 banks selected through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that: (1) BOPO has a significant negative effect on ROA, (2) LDR has a negative but insignificant effect on ROA, and (3) GBDI does not moderate the relationship between BOPO/LDR and profitability. These findings suggest that operational efficiency remains the primary determinant of bank profitability, while credit expansion and green banking practices have yet to show significant impacts. The study implies the need for an integrated strategy combining green banking policies with financial performance optimization to achieve sustainable growth.
Keywords : Operational Efficiency, Credit Expansion, Green Banking, Profitability

---

Ketersediaan

Informasi Detail

Judul Seri

-

No. Panggil

2102111765

Penerbit

Pekanbaru : Universitas Riau – F.EKONOMI DAN BISNIS – MANAJEMEN., 2025

Deskripsi Fisik

-

Bahasa

Indonesia

ISBN/ISSN

-

Klasifikasi

2102111765

Tipe Isi

-

Tipe Media

-

Tipe Pembawa

-

Edisi

-

Subjek

MANAJEMEN

Info Detail Spesifik

-

Pernyataan Tanggungjawab

daus

Versi lain/terkait

Lampiran Berkas

Komentar

---

Anda harus masuk sebelum memberikan komentar