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PENGARUH AUDIT INTERNAL, MANAJEMEN RISIKO DAN RISIKO KREDIT TERHADAP KEBIJAKAN PEMBERIAN KREDIT PADA BANK BNI KANTOR CABANG WILAYAH JAKARTA-BSD

SURYA ALAM, MUHAMAD (2022) PENGARUH AUDIT INTERNAL, MANAJEMEN RISIKO DAN RISIKO KREDIT TERHADAP KEBIJAKAN PEMBERIAN KREDIT PADA BANK BNI KANTOR CABANG WILAYAH JAKARTA-BSD. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.

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Abstract

Pemberian kredit merupakan kegiatan utama bank yang mengandung risiko yang dapat berpengaruh pada kesehatan dan kelangsungan usaha bank, sehingga dalam pelaksanaannya bank harus berpegang pada azas-azas perkreditan yang sehat guna melindungi dan memelihara kepentingan dan kepercayaan masyarakat. Tujuan penelitian adalah menguji pengaruh audit internal, manajemen risiko dan risiko kredit sebagai varibel independen terhadap kebijakan pemberian kredit sebagai variabel dependen. Objek penelitian adalah Bank BNI Kantor Cabang Wilayah Jakarta-BSD dengan jumlah sampel diambil yaitu 46 responden. Analisis data menggunakan metode regresi linier bergenda yang diolah melalui program SPSS versi 20,00. Berdasarkan hasil uji hipotesis 1 diperoleh kesimpulan audit internal berpengaruh positif dan signifikan terhadap kebijakan pemberian kredit pada Bank BNI di Kantor Cabang Wilayah Jakarta-BSD. Hasil uji hipotesis 2 diperoleh manajemen risiko berpengaruh positif dan signifikan terhadap kebijakan pemberian kredit pada Bank BNI di Kantor Cabang Wilayah Jakarta-BSD. Hasil uji hipotesis 3 diperoleh risiko kredit tidak berpengaruh terhadap kebijakan pemberian kredit pada Bank BNI di Kantor Cabang Wilayah Jakarta-BSD. Penelitian ini menyimpulkan bahwa kebijakan pemberian kredit hanya dipengaruhi oleh audit internal dan manajemen risiko, sedangkan risiko kredit tidak berpengaruh terhadap kebijakan pemberian kredit pada Bank BNI di Kantor Cabang Wilayah Jakarta-BSD

Item Type: Thesis (S1)
Contributors:
ContributionContributorsNIP/NIM
Thesis advisorISMAYA, AGUS197710232002121001
Thesis advisorSUSANTO, DENNY197705023005011004
Additional Information: Lending is a bank's main activity that carries risks that can affect the health and sustainability of the bank's business, so that in its implementation, banks must adhere to sound credit principles in order to protect and maintain the interests and trust of the public. The research objective was to examine the effect of internal audit, risk management and credit risk as independent variables on credit policy as the dependent variable. The object of the study was the BNI Bank Branch Office Jakarta-BSD with a total sample of 46 respondents. Data analysis uses the method of linear regression which is processed through the SPSS version 20.00 program. Based on the results of hypothesis 1 testing, internal audit has a positive and significance effect on the policy of extending credit to BNI Bank at the Jakarta-BSD Regional Branch Office. Hypothesis 2 test results obtained risk management has a positive and significant effect on credit policy at BNI Bank at the Jakarta-BSD Regional Branch Office. Hypothesis 3 test results obtained credit risk has no effect on the policy of extending credit to BNI Bank at the Jakarta�BSD Regional Branch Office. This study concludes that the credit policy is only influenced by internal audit and risk management, while credit risk do not affect the credit policy at Bank BNI at the Jakarta-BSD Regional Branch Office. Keywords: Internal Audit, Risk Management, Credit Risk and Credit Policy
Uncontrolled Keywords: Kata kunci: Audit Internal, Manajemen Risiko, Risiko Kredit dan Kebijakan Kredit
Subjects: H Social Sciences > HF Commerce > HF5601 Accounting
H Social Sciences > HF Commerce > HF5601 Accounting
Divisions: 05-Fakultas Ekonomi dan Bisnis
05-Fakultas Ekonomi dan Bisnis > 62201-Program Sarjana Akuntansi
Depositing User: Perpustakaan Pusat
Date Deposited: 26 Jul 2022 11:16
Last Modified: 26 Jul 2022 11:16
URI: http://eprints.untirta.ac.id/id/eprint/14783

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