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All Journal Formosa Journal of Multidisciplinary Research (FJMR)
Intan Jestica
Universitas Bengkulu
Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Education Social Sciences

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The Effect of Lending Money and Asset Quality on the Profitability of State-Owned Company and Private Banks Listed on the Indonesian Stock Exchange (IDX) Intan Jestica; Dewi Rahmayanti
Formosa Journal of Multidisciplinary Research Vol. 4 No. 2 (2025): February 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjmr.v4i2.82

Abstract

This study analyzes the effect of lending money, asset quality, capital adequacy, and bank size on the profitability of state-owned and private banks in Indonesia, with ROA as an indicator. Panel data regression analysis uses bank data listed on the IDX during 2017-2023. This study reveals a significant difference in the effect of profitability between state-owned and private banks. SOE banks experience a significant negative impact from lending money and asset quality, while private banks show a significant positive effect from lending money. Capital adequacy and bank size have a positive effect on SOE banks, but are not significant in private banks. In conclusion, differences in characteristics and strategies affect profitability, with SOEs needing to improve risk management and efficiency, as well as aggressive utilization of deposits for loans in private banks.
Co-Authors Dewi Rahmayanti