Detail Cantuman

ABSTRACT

Abstract : “The Influence of Risk Management and Internal Audit Function on the Frequency of Bad Loans at PT. Bank Mandiri (Persero) Tbk.
This study aims to determine whether the Risk Management and Internal Audit Function have an effect on the Frequency of Bad Loans at PT. Bank Mandiri (Persero) Tbk. Collecting data using primary data obtained from distributing questionnaires using the Slovin formula, totaling 35 respondents (employees). The results of the questionnaire have been tested for validity and reliability, also tested for classical assumptions in the form of normality assumptions, multicollinearity and heteroscedasticity assumptions. The data analysis method used multiple regression techniques.
Based on the results of the analysis, it turns out that the results of the study indicate that the first hypothesis is accepted because it shows that the results of the hypothesis test have a significant negative effect. This means that if Risk Management is carried out, it can reduce the frequency of bad loans. The second hypothesis is not accepted because it shows that the negative hypothesis test results are not significant. This means that if the Internal Audit Function is carried out it does not affect the frequency of bad loans”