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All Journal JUIMA : Jurnal Ilmu Manajemen JAD: Jurnal Riset Akuntansi & Keuangan Dewantara Jurnal Bisnis Terapan Jurnal Ilmiah Satyagraha Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Jurnal Cahaya Mandalika Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Dharma Jnana Jurnal Pengabdian Pada Masyarakat Dharma Pengabdian Perguruan Tinggi (DEPATI) Jurnal Manajemen Dan Akuntansi Medan Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Jurnal Riset Manajemen Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Agency Journal of Management and Business Tamilis Synex: Multidimensional Collaboration LANCAH Jurnal Inovasi dan Tren Jejak digital: Jurnal Ilmiah Multidisiplin
Aliah Pratiwi
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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The Effect of Cash Ratio and Loan to Asset Ratio on Return on Asset at PT. Bank Mandiri Tbk Puput Jahsinia Putri; Aliah Pratiwi; Nurhayati
Agency Journal of Management and Business Vol. 6 No. 1 (2026): January 2026
Publisher : Pustaka Digital Indonesia

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Abstract

This study examines the effect of liquidity and asset allocation on bank profitability by analyzing the influence of Cash Ratio (CR) and Loan to Asset Ratio (LAR) on Return on Assets (ROA) at PT Bank Mandiri Tbk. As one of Indonesia’s largest state-owned banks, maintaining optimal liquidity and productive asset utilization is essential to sustaining financial performance and public trust. This research aims to determine the partial and simultaneous effects of CR and LAR on ROA. A quantitative associative approach was employed using secondary data derived from the bank’s annual financial statements over the 2014–2023 period. The sample consisted of 10 years of observations selected through purposive sampling. Data were analyzed using multiple linear regression, supported by classical assumption tests, t-tests, F-tests, and coefficient of determination analysis with a 5% significance level. The results indicate that Cash Ratio has a positive and significant effect on ROA, suggesting that improved liquidity strengthens financial stability and enhances profitability. Similarly, Loan to Asset Ratio demonstrates a positive and significant effect on ROA, indicating that a higher proportion of productive earning assets contributes to increased income generation. Simultaneously, CR and LAR significantly influence ROA. These findings highlight the importance of balancing liquidity management and loan allocation strategies to optimize bank profitability and ensure sustainable financial performance.
Co-Authors A Rahman Azhari Alwi Aris Munandar Azizah Syarifahtul Nuraeni Citra Nuradi Cahayu Daniel Happy Putra Fanisyah Aulia Putri Fathonah, Hijrah Hairul Imam Imel Putri Cahyati Intisari Haryanti Ita Iftitah Jaenab Juwani Kartin Aprianti Khairunisyah Latifah Chaeranil Hadiyati M. Rimawan M. Zulham Azmi M.Rimawan Mawardin Mei Karlina Muhajirin Muhammad sayid Fadil Mujabir Mukhlis Nafisah Nurulrahmatiah Novi Mutiarani Nur Amaliah Nurfitratun Hasanah Nurhardinnas, Nurhardinnas Nurhayati Nursahraini Nurul Huda Nurul huda Ovriyadin Puji Muniarty Puput Jahsinia Putri Ramdhani Ramdhani Ririn Dwi Aryanti safira nurlita Safira Nurlita1 Sagiratun, Safira Sas Septi Dwi Anjelina SIBIL RAHMANI Siti Rohana Sumiati Syahraini Nabila Tria Rosalina Wahyu Hidayat WULANDARI Yanti