miswanto, miswanto and Christiana, Talentia Herri and Syaflan, Meidi (2022) Pengaruh Kecukupan Modal, Risiko Kredit, Efisiensi Operasional, Likuiditas, Dan Kemampuan Pengelolaan Aset Produktif Terhadap Profitabilitas Perbankan. JURNAL RISET MANAJEMEN, 9 (2). pp. 57-72. ISSN Online ISSN : 2624-492X, Print ISSN : 2355-9381
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Pengaruh Kecukupan Modal, Risiko Kredit, Efisiensi Operasional, Likuiditas, Dan Kemampuan Pengelolaan Aset Produktif Terhadap Profitabilitas Perbankan.pdf Download (374kB) |
Abstract
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.
| Item Type: | Article |
|---|---|
| Uncontrolled Keywords: | Capital adequacy, credit risk, operational efficiency, liquidity, productive assets, and profitability. |
| Subjects: | MANAJEMEN > Sumber Daya Manusia |
| Divisions: | Dosen STIE YKPN > Artikel |
| Depositing User: | Unnamed user with email webmaster@stieykpn.ac.id |
| Date Deposited: | 10 Apr 2023 09:22 |
| Last Modified: | 10 Apr 2023 09:22 |
| URI: | http://repositorybaru.stieykpn.ac.id/id/eprint/945 |
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