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All Journal Journal of Economicate Studies International Journal of Business, Law, and Education Jurnal Ilmiah Mahasiswa Fakultas Hukum Universitas Malikussaleh PMSDU West Science Accounting and Finance Jurnal Pengabdian Kepada Masyarakat Bangun Cipta, Rasa, & Karsa (Jurnal PKM BATASA) Jurnal Multidisiplin Indonesia Edusight International Journal of Multidisciplinary Studies (EIJOMS)
Miranda, Mira
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Journal : Journal of Economicate Studies

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Effect of Credit Risk, Liquidity Risk, and Interest Rate Risk on Return on Assets (ROA) Miranda, Mira
Journal of Economicate Studies Vol. 4 No. 1 (2020): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v4i1.655

Abstract

This article discusses the effects of credit risk, liquidity risk and interest rate risk on bank profitability. The dependent variable in this study is Return On Asset (ROA). Meanwhile, the independent variables in this study are Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM).The sampling technique was done by using purposive sampling method. The total sample in this study amounted to 10 years of financial reports at PT. Bank Rakyat Indonesia (Persero) Tbk for the period 2007-2016. Data processing was performed using multiple linear regression analysis with classical assumption testing first.This article finds that partially Non Performing Loans (NPL) have a negative and significant effect on Return On Assets (ROA), Loan to Deposit Ratio (LDR) has a negative but insignificant effect on Return On Assets (ROA) and Net Interest Margin. (NIM) has a positive but not significant effect on Return on Assets (ROA), while the results of the research simultaneously state that Non-Performing Loans (NPL), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) have an effect. simultaneously to Return On Asset (ROA).
Co-Authors Alifah, Haura Zatty Anisa Fitria Utami Anwar, Febry Yeni Indawaty, Septiani Nadra Jamaiyah, Miranda M. Rasyid, Laila Maskhur Dwi Saputra Mitayani Purwoko, Mitayani Nur Hamidah, Nur Rizki, Putri Nersi Rodhiaty, Fera Yunita Safitri, Camelia Septiana Ika Ningtyas Sulaiman Sulaiman Utami, Dhiya Luthfiyyah