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Journal : journal of economics

DETERMINAN FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BEI Putra, Moh. Rizqy Eka; Pasaribu, Gymnastiar Eka Aurillina; Fisabilillah, Ladi Wajuba Perdini; Ma'ruf, Aminudin
Jurnal Ekonomika : INDEPENDEN Vol 5 No 1 (2025): April 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i1.65203

Abstract

This research aims to analyze the determinants of factors that influence the profitability of digital banks listed on the Indonesia Stock Exchange (BEI) during the 2018–2023 period. The independent variables tested include Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), and Operational Costs to Operating Income (BOPO), with Return on Assets (ROA) as the dependent variable. The method used is quantitative with panel data regression using Eviews 10 software. The research sample consists of six digital banks that meet the criteria, with a total of 30 observations. The research results show that NPL has a positive but not significant effect on ROA, CAR has a positive and significant effect on ROA, while BOPO has a significant negative effect on ROA. These findings indicate that operational efficiency and capital adequacy are key factors in increasing digital bank profitability. Therefore, digital banks need to improve operational efficiency and maintain a strong capital position to maintain optimal financial performance.
Co-Authors Aditya Nurrahman Adityo Wiwit Kurniawan Afief El Ashfahany Ahmad Athoillah Azzakiy Ahmad Syaifuddin Aishath Muneeza Aishath Muneeza, Aishath Alam, Shahbaz Aminah Hasyim Aminah Hasyim Angrinda Anggih Umi Kulsum Ardika Tristyanto Arisetyawan, Kukuh Aulia, Sausan Liski Azhar Alam Dian Nofitri Dimas Galih Saputra Dita Dismalasari Dewi DWI PUJI ASTUTI Elmi Nur Azizah Elmi Nur Azizah Fajar, Nurdana Malik Fatoni, Muhammad Iqbal Hamim Azad Hasanah, Silvya Miftahul Hutabarat, Ruth Eviana Imron Rosyadi Irfan Ramis Jamil, Fadila Ainur Jannah Arrum Sari Jannah Arrum Sari Khairunnisa Nurul Fikri Kukuh Arisetyawan Ladi Wajuba Perdini Fisabilillah Lathifah, Annisa Ul LUCKY RACHMAWATI Lukmanul Hakim Mashuri, M. Iqbal Mellinia, Rashifahunnisa' Mellinia, Rashifahunnisa’ Muhammad Faisal Hamdi Mukhlisin, Fajar Sidiq Mustafidah, A'imatul Nida’ Al-Karimah Makkawi Nilasari, Aprillia Nofitri, Dian Novitasari, Ossa Nur Rizqi Febriandika Nurdana Malik Fajar Nurul Hanifa Nuvita Lailatul Fitriah Parastiwi, Arvyana Pasaribu, Gymnastiar Eka Aurillina Prabowo, Prayudi Setiawan Putra, Moh. Rizqy Eka Putri Maidina Fadila Rahayu Puji Lestari Ramadhani, Clara Sinta Prameswari Rashifahunnisa' Mellinia Rika Septiani Puspita Sari Ririn Tri Ratnasari Rohmaningtyas, Nurwinsyah Rusnalasari, Zulidyana Dwi Safa Kharisma Sausan Liski Aulia Sausan Liski Aulia Shahbaz Alam Shahbaz Alam Syaraf, Ahsan Barra Tony Seno Aji Tri Nur Alfifa Tri Nur Alfifa Umam, Fachru Nurul Wasil, Mohammad Wenny Restikasari Wijayanto, Agung Dwi Wulandari, Asih Putri