PENGARUH KECUKUPAN MODAL, RISIKO KREDIT, EFISIENSI OPERASIONAL, LIKUIDITAS, DAN KEMAMPUAN PENGELOLAAN ASET PRODUKTIF TERHADAP PROFITABILITAS PERBANKAN

PENGARUH KECUKUPAN MODAL, RISIKO KREDIT, EFISIENSI OPERASIONAL, LIKUIDITAS, DAN KEMAMPUAN PENGELOLAAN ASET PRODUKTIF TERHADAP PROFITABILITAS PERBANKAN

Capital adequacy, credit risk, operational efficiency, liquidity, productive assets, and profitability

The purpose of this study is to test whether capital adequacy, credit risk, operational efficiency, liquidity, and productive asset management ability affect the profitability of banks listed on the Indonesia Stock Exchange (IDX) for the 2015-2019 period. The data analysis technique used multiple linear regression panel data. The sample consisted of 22 commercial banks with 110 observations, which were carried out by purposive sampling. Based on the existing test equipment, the estimation model chosen is the random effect model. The results of the analysis show that CAR does not have a positive effect on ROA, NPL and BOPO has a negative effect on ROA, LDR does not have a positive effect on ROA, and NIM has a positive effect on ROA. Therefore, the findings of
this study are as follows. First, capital adequacy does not have a positive effect on profitability. Second, credit risk has a negative effect on profitability. Third, operational efficiency has a positive effect on profitability. Fourth, liquidity does not have a negative effect on profitability. Fifth, the ability to manage productive assets has a positive effect on profitability. This research implies that if banks want to increase profitability, they need to reduce non-performing loans (NPL), reduce the BOPO, and increase the NIM.

Miswanto Miswanto, Talentia Herri Christiana, Meidi Syaflan

https://jurnal.stieww.ac.id/index.php/jrm/issue/view/38

STIE Widya Wiwaha

Juli 2022

Sri Wahyuni

Online ISSN : 2624-492X
Print ISSN : 2355-9381

PDF

Indonesian

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Jurnal Riset Manajemen STIE Widya Wiwaha 2022