I N. Nugraha Ardana P_Abstract_1632012

KEPEMILIKAN MANAJERIAL DAN RISIKO KREDIT, SEBAGAI PEMICU BIAYA KEAGENAN PADA LEMBAGA KEUANGAN MIKRO

I Nyoman Nugraha Ardana Putra

Jurusan Manajemen Fakultas Ekonomi Universitas Mataram
JL. Majapahit No.62, Mataram, Nusa Tenggara Barat, 83125

Korespondensi dengan Penulis:
I Nyoman Nugraha Ardana Putra: Telp. +62 370 631 935
E-mail: ibobid@yahoo.com

Abstract

This study aimed to examine and to explain the influence of managerial ownership and credit risks toward agency costs and performance. The study was also intended to enrich the empirical evidence of agency theory  in financial management of the Microfinance Institutions (MFIs), especially managerial ownership of society credit bank (BPR) in West Nusa Tenggara province. Secondary data used was derived from financial statements and primary data obtained from interviews with the director of bank samples. Partial Least Square technique Programs (PLS) was applied to test the research model in term of variables relationship structure in quantitative methods The results. The results showed that managerial ownership had a positive influence on credit risks and also had a positive impact on agency costs. In addition to managerial ownership and agency costs, this research found that there was a negative effect of  company performance.

 Key words: managerial ownership, credit risk, efficiency, agency cost

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