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Bank is a business entity that bears the greatest risk, especially credit risk This study aims to determine the effect of corporate governance, credit diversification, and bank size on credit risk in banking companies listed on the Indonesia Stock Exchange. The independent variables in this study are corporate governance, credit diversification, and bank size. Corporate governance is proxied in the form of a composite value of corporate governance which is given a score of 1 for banks with a composite value of 3, a score of 2 for banks with a composite value of 2, and a score of 3 for banks with a composite value of 1, credit diversification is measured using 1-HHI (Herfindahl-Hirschman Index), and bank size is measured using the KBMI rating (Bank Group based on Core Capital) which consists of the categories KBMI 1, KBMI 2, KBMI 3, or KBMI 4. The dependent variable in this study is credit risk as measured by the level of non-performing loan (NPL). This study uses a sample of 26 banks listed on the Indonesia Stock Exchange during the 2015-2021 period. The analytical method used in this study is the classical assumption test method and panel data regression. The results that researchers get in this study are corporate governance and bank size have a negative effect on credit risk while credit diversification has a positive effect on credit risk The limitations of this study are that there are no other factors such as interest rates, inflation, exchange rates, capital adequacy ratio ( CAR), and loan to deposit ratio (LDR). So that further research is suggested to add these other variables.

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Cara Mengutip
Millenio, A. Y. ., & Arifin, Z. (2022). PENGARUH CORPORATE GOVERNANCE, DIVERSIFIKASI KREDIT, DAN UKURAN BANK TERHADAP RISIKO KREDIT PADA PERUSAHAAN PERBANKAN YANG TERCATAT DI BURSA EFEK INDONESIA. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 1(5), 251–263. Diambil dari https://jurnal.uii.ac.id/selma/article/view/26550
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