Pengaruh Capital Adequacy Ratio, Non Perfoming Loan, Loan To Deposit Ratio dan Biaya Operasional Pendapatan Operasional Terhadap Profitabilitas: Studi Empiris Pada Perusahaan Sub Sektor Perbankan Yang Terdaftar di Bursa Efek Indonesia Periode 2019-2023

Agnes Fadilla Astriliana; Slamet Mudjija

doi:10.61132/santri.v2i4.846

Authors

Agnes Fadilla Astriliana Universitas Budi Luhur
Slamet Mudjija Universitas Budi Luhur

DOI:

https://doi.org/10.61132/santri.v2i4.846

Keywords:

Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, Operating Expenses Operating Income, Profitability

Abstract

In 2019-2023, the average profitability in the banking sub-sector has increased and decreased. This study aims to analyse the Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio and Operating Cost of Operating Income on Profitability. The research methodology used in this study uses quantitative methods. Data obtained from the Indonesia Stock Exchange website (www.idx.co.id) and www.bi.go.id. The population in this study are banking subsector companies listed on the Indonesia Stock Exchange in 2019-2023. The sampling technique used purposive sampling technique with a sample of 22 (twentytwo) companies. Data analysis for hypothesis testing using Multiple Linear Regression with the help of the Statistical Package for Social Sciences (SPSS) version 22 (twenty-two) programme. The results showed that Capital Adequacy Ratio and Loan to Deposit Ratio had no effect on Profitability, while Non Performing Loan and Operating Cost of Operating Income had a negative effect on Profitability.

Downloads

Download data is not yet available.

References

Anisa, G. A. K., & U. F. (2022). Bank dan lembaga keuangan Islam (Cetakan Pe). Universitas Brawijaya Press. https://www.google.co.id/books/edition/Bank_dan_Lembaga_Keuangan_Islam/6iO2EAAAQBAJ?hl=id&gbpv=1

Darmawan. (2020). Dasar-dasar memahami rasio dan laporan keuangan (S. Lestari & D. Maulana, Eds.; Pertama). UNY Press.

Ghozali, I. (2021). Aplikasi analisis multivariate dengan program IBM SPSS 26 Edisi 10 (S. H. Apriya, Ed.; 10th ed.). Badan Penerbit Universitas Diponegoro. https://id.scribd.com/document/704634959/Aplikasi-Analisis-Multivariate-Imam-Ghozali

Hutabarat, F. (2020). Analisa kinerja keuangan perusahaan (G. Puspitasari, Ed.; Cetakan Pe). Desanta Muliavistama. https://books.google.co.id/books?hl=en&lr=&id=Vz0fEAAAQBAJ&oi=fnd&pg=PA1&ots=QqS44tJC7Z&sig=dHxspFC4RBGjRZ2bBH8_1j8AjVo&redir_esc=y#v=onepage&q&f=false

Khoiriyah, S., & Dailibas. (2022). Pengaruh NPL dan LDR terhadap profitabilitas (ROA). Competitive Jurnal Akuntansi dan Keuangan, 6(1), 138–144.

Kurniawan, K., Sembiring, S., & Pasaribu, A. M. (2022). Analisis pengaruh CAR, NPL, NIM, dan BOPO terhadap profitabilitas pada PT. Bank Perkreditan Rakyat (BPR) Pijer Podi Kekelengen. BONANZA: Jurnal Ilmiah Ekonomi, Bisnis dan Keuangan, 2(2), 9–17. https://doi.org/10.54123/bonanza.v2i2.189

Saputra, A. J., & Anggraini, R. (2023). Pengaruh capital adequacy ratio (CAR), non performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR), dan biaya operasional pendapatan operasional (BOPO) terhadap return on asset (ROA) pada bank perkreditan rakyat (BPR). 18(1), 93–115.

Sri, S. L., & W. (2023). Pengaruh CAR, NPL, BOPO, dan LDR terhadap return on asset (ROA) pada perusahaan sub-sektor perbankan yang terdaftar di Bursa Efek Indonesia (BEI). Jurnal Penelitian Mahasiswa, 2(3), 52–63. https://doi.org/10.58192/populer.v2i3.1180

Sustrisno, A. (2022). Manajemen kesehatan bank (F. Besse, Ed.; Cetakan Pe). Cendekia Publisher. https://www.google.co.id/books/edition/Manajemen_Kesehatan_Bank/-TaiEAAAQBAJ?hl=id&gbpv=1

Wea, K. I., Darma, I. K., & Bagiada, K. (2022). Pengaruh kecukupan modal, non performing loan (NPL), dan dana pihak ketiga terhadap profitabilitas perbankan (Studi kasus pada bank umum yang terdaftar di Bursa Efek Indonesia tahun 2013-2018). Warmadewa Economic Development Journal (WEDJ), 5(1), 1–5. https://doi.org/10.22225/wedj.5.1.2022.1-5