Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors Affecting Bank Profitability of BUKU 1 and BUKU 2
Dublin Core
Title
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors Affecting Bank Profitability of BUKU 1 and BUKU 2
Factors Affecting Bank Profitability of BUKU 1 and BUKU 2
Subject
Bank Health Ratio; Profitability; BUKU 1; BUKU 2; Bank
Description
The research aims to know and analyze the effect of bank health ratios in terms of capital aspects (CAR and CCRA), rentabilities aspects (ROA, OEOI, and NIM), and liquidity aspects (LDR and LAR) on Profitability in BUKU 1 and BUKU 2 group banks. This study used secondary data obtained from monthly financial statements on banks category BUKU 1 and BUKU 2 period January 2015-December 2019 while analyzing data using the multiple linear regression analysis approaches. The results found that 1) aspects of bank capital as
measured by capital Adequacy Ratio and Core Capital Ratio to ATMR consistently had no significant effect on profitability in the BUKU 1 and BUKU 2 group banks; 2) Aspects of Rentability as measured by ROA and NIM proved to have a negative and significant effect on bank profitability in the BUKU 1 and BUKU 2 groups, While for Operating Expenses or Operating Income proved to have a significant negative effect on bank profitability and 3) Aspects of liquidity as measured by LDR and LAR proved to have a positive and
significant effect on profitability in banks in the BUKU 1 and BUKU 2 groups, and 4) Among bank health ratios, it was found that LDR was the dominant variable on the profitability on banks in the BUKU 1 and BUKU 2 groups.
measured by capital Adequacy Ratio and Core Capital Ratio to ATMR consistently had no significant effect on profitability in the BUKU 1 and BUKU 2 group banks; 2) Aspects of Rentability as measured by ROA and NIM proved to have a negative and significant effect on bank profitability in the BUKU 1 and BUKU 2 groups, While for Operating Expenses or Operating Income proved to have a significant negative effect on bank profitability and 3) Aspects of liquidity as measured by LDR and LAR proved to have a positive and
significant effect on profitability in banks in the BUKU 1 and BUKU 2 groups, and 4) Among bank health ratios, it was found that LDR was the dominant variable on the profitability on banks in the BUKU 1 and BUKU 2 groups.
Creator
Lis Sintha Oppusunggu, Lita Dwipasari
Source
DOI: 10.26905/jkdp.v25i4.6445
Publisher
Universitas Merdeka Malang
Date
October 2021
Contributor
Sri Wahyuni
Rights
ISSN: 2443-2687 (Online) ISSN: 1410-8089 (Print)
Format
PDF
Language
English
Type
Text
Coverage
Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Files
Collection
Citation
Lis Sintha Oppusunggu, Lita Dwipasari, “Jurnal Keuangan dan Perbankan Universitas Merdeka Malang
Factors Affecting Bank Profitability of BUKU 1 and BUKU 2,” Repository Horizon University Indonesia, accessed April 3, 2025, https://repository.horizon.ac.id/items/show/4818.
Factors Affecting Bank Profitability of BUKU 1 and BUKU 2,” Repository Horizon University Indonesia, accessed April 3, 2025, https://repository.horizon.ac.id/items/show/4818.