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All Journal Jurnal Riset Ekonomi dan Bisnis
Hastri
Sekolah Tinggi Ilmu Ekonomi Makassar Bongaya
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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THE IMPACT OF CAPITAL ADEQUACY RATIO (CAR) AND NON PERFORMING LOAN (NPL) ON THE PROFITABILITY OF STATE OWNED BANKS LISTED ON THE INDONESIA STOCK EXCHANGE DURING 2015-2024 Hastri; Edy Jumady; Zulfikry Sukarno
Jurnal Riset Ekonomi dan Bisnis Vol. 19 No. 2 (2026): AGUSTUS
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jreb.v19i2.14610

Abstract

This study aims to evaluate and analyze the impact of non-performing loans (NPLs) and the capital adequacy ratio (CAR) on the profitability of state-owned banks listed on the Indonesia Stock Exchange during the period from 2015 to 2024. This study uses secondary data obtained from the annual financial reports of these banks. In a purposive sampling process, four banks with a ten-year observation period and a total of forty observations were included. The analysis was conducted using multiple linear regression with SPSS version 26. The results of the study show that the “non-performing loans” (NPL) variable is the most important factor influencing the return on assets (ROA), while the capital adequacy ratio (CAR) has a positive and significant effect on ROA. This study indicates that business management should optimize their financial ratios by maintaining credit quality and limiting the proportion of non-performing loans. To improve a bank’s profitability, credit risk management is crucial. 
Co-Authors Edy Jumady Zulfikry Sukarno