PENGARUH RISIKO DAN PROFITABILITAS TERHADAP KECUKUPAN MODAL PERBANKAN DI INDONESIA

Abstract

Over time, economies in the world today is full of challenges and obstacles that must be faced. It would also be consequences to developing countries, especially Indonesia. The impact is felt by businesses as they also have to revise the revenue target, as well as the growth of its business plan. The impact of the crisis is also a bad influence on non-bank financial institutions and banks in Indonesia. Banks in a country is an institution that plays an important role in carrying out the function of the flow of funds in the economy and was also instrumental in the development of national economy.

                    Credit became a source of revenue and profits of the largest banks. Banks will be said to be successful when it can manage their credit worthiness. Lending made by banks are at risk, and that risk was large enough that the form is not smooth credit payments will affect the performance of the bank. The ratio used in banking is the calculation of the ratio of asset quality as measured by non-performing loans (NPL).                    Profitability is also one of the factors that affect a bank's capital. Profitability is the bank's ability to generate profit. If the bank would generate an operating profit of banks will increase their capital adequacy. Profitability can be regarded as an indicator of the ability of banks to maintain a capital adequacyKeywords : Risk, Profitabilitas, Capital