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All Journal Escalate : Economics and Business Journal
Ima Andriyani
Study Program of Management, Faculty of Economics and Business, Universitas Tridinanti
Economics, Econometrics & Finance

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The Effect of Non-Performing Loan, Loan to Deposit Ratio, Net Interest Margin, and Capital Adequacy Ratio on Return on Asset in Private Banks Listed on the Indonesia Stock Exchange for the Period 2021–2025 Nine Andyta Irawan; Ima Andriyani; Nyayu Khairani Putri
Escalate : Economics and Business Journal Vol. 4 No. 3 (2026): Escalate : Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i3.637

Abstract

This study aims to analyze the effect of Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Capital Adequacy Ratio (CAR) on Return on Asset (ROA) in private banks listed on the Indonesia Stock Exchange (IDX) during the 2021–2025 period. This research uses a quantitative method with secondary data in the form of annual financial reports. The study population consisted of 35 private banks, with a sample of 10 banks selected through purposive sampling, resulting in 50 observational data points. The data analysis technique used is multiple linear regression with the help of SPSS version 26. The results show that, simultaneously (F test), NPL, LDR, NIM, and CAR have a significant effect on ROA (F = 14.308, sig = 0.000 < 0.05), with a coefficient of determination (R²) of 0.560, or 56.0%. The partial test results (t test) show that NPL has a negative and significant effect on ROA (t = -4.576, sig = 0.000), while NIM (t = 2.309, sig = 0.026) and CAR (t = 2.450, sig = 0.018) each have a positive and significant effect on ROA. Meanwhile, LDR has a positive but not significant effect on ROA (t = 2.032, sig = 0.048, rounded to 0.05). These findings indicate that credit risk management, the ability to generate net interest income, and capital adequacy are key determinants of the profitability of the private banks studied.
The Effect of Capital Structure, Sales Growth, Firm Size, and Operational Efficiency on Financial Performance in Property and Real Estate Companies Listed on the Indonesia Stock Exchange for the Period 2021–2025 Dina Rahayu; Ima Andriyani; Veny Mayasari; Mariyam Zanariah
Escalate : Economics and Business Journal Vol. 4 No. 02 (2026): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i02.634

Abstract

Financial distress is a condition that needs to be detected early because it can increase the risk of delisting and reduce investor confidence. This study aims to analyze the financial distress conditions of raw materials companies at risk of delisting on the Indonesia Stock Exchange and compare the accuracy levels of the Altman Z-Score, Zmijewski, and Springate methods. This study uses a quantitative approach with descriptive methods. The study population consisted of 13 raw materials companies with the potential for delisting, while the sample was determined using a purposive sampling technique, resulting in five companies for the 2020–2024 period. The research data consisted of secondary financial reports collected through documentation techniques and literature studies. Data analysis was performed using the Altman Z-Score, Zmijewski, and Springate models, along with calculations of accuracy and error type. The results show that the three methods produced different financial distress classifications. The average accuracy rates were 80% for Altman Z-Score, 76% for Zmijewski, and 60% for Springate, with corresponding average error rates of 20%, 24%, and 40%. These findings indicate differences in the classification results and accuracy levels among the three methods in assessing financial distress
The Effect of Service, Workload, and Motivation on Employee Performance at PT Pegadaian Kenten Branch Palembang Yurisa Fadhilah Rizky; Ima Andriyani; Nur Effen; Agustina Marzuki
Escalate : Economics and Business Journal Vol. 4 No. 02 (2026): Escalate: Economics and Business Journal
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v4i02.649

Abstract

This study aims to analyze the effect of Total Asset Turnover (TATO) and Debt to Equity Ratio (DER) on Return on Assets (ROA) in transportation and logistics companies listed on the Indonesia Stock Exchange for the 2022–2025 period. This study uses a quantitative method with an associative causal approach. The population consisted of seven transportation and logistics companies listed on the Indonesia Stock Exchange, with saturated sampling used to select all companies as the research sample. Secondary data were obtained from annual financial reports and analyzed using multiple linear regression, classical assumption tests, and hypothesis testing with SPSS. The results showed that TATO and DER partially had a significant effect on ROA. Simultaneously, TATO and DER had a significant effect on ROA in transportation and logistics companies during the 2022–2025 period
Co-Authors Agustina Marzuki Dina Rahayu Mariyam Zanariah Nine Andyta Irawan Nur Effen Nyayu Khairani Putri Veny Mayasari Yurisa Fadhilah Rizky