PENGARUH RISIKO KREDIT TERHADAP KINERJA KEUANGAN PERUSAHAAN KEUANGAN YANG TERDAFTAR DI BEI
Abstract
Industri perusahaan keuangan adalah salah satu industri yang memiliki kontribusi yang besar dalam kestabilan perekonomian Indonesia. Kinerja keuangan yang bagus dari perusahaan keuangan dapat meningkatkan perekonomian Indonesia. Tetapi ada 1 risiko yang dapat mengganggu keberlangsungan dari perusahaan ekonomi dan dapat berdampak langsung terhadap perekenomian Indonesia secara umum, yaitu adalah risiko kredit. Risiko kredit pada perusahaan keuangan adalah hutang macet yang diberikan oleh perusahaan keuangan kepada kreditur, tetapi pada saat jatuh temponya kreditur gagal untuk memenuhi tanggung jawabnya. Jumlah risiko kredit yang tiba – tiba meledak dapat menyebabkan krisis ekonomi di Indonesia, seperti yang terjadi di Amerika Serikat pada tahun 2008 dimana banyak hutang macet yang tidak terpenuhi meyebabkan terjadi krisis tidak hanya di negara tersebut tetapi juga ke seluruh dunia. Sehingga dapat diartikan bahwa risiko kredit semakin tinggi maka kinerja dan profitabilitas perusahaan keuangan akan menurut, begitu juga dengan sebaliknya jika risiko kredit semakin rendah maka kinerja keuangan dan profitabilitas perusahaan keuangan akan semakin meningkat.
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