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Journal : Moneter : Jurnal Akuntansi dan Keuangan

Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit dan Efisiensi Biaya Terhadap Profitabilitas Pada Bank Go Public Uli Wildan Nuryanto; Anis Fuad Salam; Ratih Purnama Sari; Dede Suleman
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 7, No 1 (2020): April 2020
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v7i1.6777

Abstract

Abstract - This increase in economic growth does not necessarily increase the profitability of banks in Indonesia. There are three fundamental problems that have been unearthed by the Deposit Insurance Corporation (LPS) for banks, among others, the first decline in bank interest rates continuously causing bank interest margins to thin. Second, the regulatory burden requires banks to set aside capital for additional bank capital reserves and thirdly the potential increase in the risk of non-performing loans due to global economic uncertainty and the uneven recovery of the domestic economy. For this reason, this research was conducted to find out how much profitability of domestic banks listed on the Indonesia Stock Exchange in the period 2014-2018 and also the relationship between internal predictors which, according to the review study, had a significant effect on profitability. The population in this study were 43 banks listed on the Indonesia Stock Exchange in the 2014-2018 period while the sample was 10 banks listed on the IDX with the largest number of assets according to Bank Indonesia using the purposive sampling method. The results showed a significant CAR, LDR, NPL and BOPO significantly influence ROA. While partially LDR, NPL and BOPO have a significant effect on ROA while CAR has no significant effect. The magnitude of the effect of the predictor variable on profitability using the coefficient of determination obtained by 74.2% while the remaining 25.8% is influenced by other variables outside this research model.Keywords: Capital Adequacy Ratio (CAR), Liquidity Ratio (LDR), Credit Risk (NPL), Operational Cost Efficiency (BOPO). Profitability (ROA).
Co-Authors Abdiah Bahar, Ririn Nur Abdul Rasyid Abdul Tahir Abdurakhman, R. Nur Achmad Hidayat Sutawidjaya Achmad Hidayat Sutawidjaya Achmad Syarif Chatib Ade Komariah Ade Komariah Ade Supriatini Adi Cakranegara, Pandu Agustina Agustina Ahmad Badawi Saluy Ahmad Hidayat Sutawidjaya Ahmad Junaidi Ahmad Munawir Ali Yusuf, Furtasan Amelia, Deni Andayani, Sakti Andy Rachman Anindya Pangestika, Mirza Anis Fuad Salam Anwar LC, Mohammad Apriliani, Rina Ariawan Ariawan ARIEF BUDI PRATOMO Ayuliana Ayuliana Azzi, Muhamad Fahmi Balthasar Malindar Bambang Rismadi Bambang Surahman Basrowi Basrowi Basrowi Basrowi Basrowi, Basrowi Butar Butar, Ribka Sari Cakranegara, Pandu Adi Chairul Anwar Chevy Herli Sumerli Citra Arta, Deddy Novie Dede Suleman Desiyani, Risma Eka Desty Endrawati Subroto Desty Endrawati Subroto Dicky Jhon Anderson Butarbutar Donny Dharmawan Eka Kurnia Saputra Ekasari, Silvia Eldo, Handry Emma Budi Sulistiarini Endang Fatmawati Eny Suheny Erna Erna, Erna Etvin Rizal Tamher Eva Muti’ah Fahrizal Azhar Ferly Agustina Sairmaly Fiana, Marista Fikri, Riki Ukhtul Fikri, Riri Ukhtul Firstianty Wahyuhening Fibriany Fredy Olimsar Furtasan Ali Yusuf Grace Hoberthina Tahapary Guli Aja Guszahari, Adi Habibullah Habibullah Handayani, Yola Sukma Handayani, Yolla Sukma Handy Setiayadi Hanifah Haq, Muhamad Ziaul Hartanto Hartanto Hartanto Hendri Hermawan Adinugraha Herli Sumerli A, Chevy Hermawan, M. Fridho Hermin Nainggolan Hilarius Wandan I Gusti Ngurah Agung Dewantara Putra I Nyoman Tri Sutaguna Ichwanudin, Muhamad Ida Ayu Putu Sri Widnyani Ika Pratiwi Ika Pratiwi Ikhsan Firdaus Israkwaty Jamaluddin Majid Jenni Veronika Br Ginting Jessi Charina Joko Ariawan Joni Prihatin Joni Prihatin Joni Prihatin Julie Abdullah Kahpi, Heri Sapari Kamsin Kamsin Kamsin, Kamsin khaeruman Kusuma, Bayyu Indra Lailatun Nafisa Lailatun Nafisa Latuconsina, Zainuddin Lenny Dermawan Sembiring Lesmanawati, Atun Lindari Wau Luh Komang Candra Dewi Lydia Hutama M. Fridho Hermawan M. Yusuf Alfian Rendra Anggoro KR Maharani, Silvia Malinda, Tia Malini Lubis, Fatimah Mamay Komarudin Marista Viana Markus Asta Patma Nugraha Masyhudzulhak Djamil Masyhudzulhak Djamil MZ Masyhudzulhak Djamil MZ Masyhudzulhak Djamil Mz Mawardi Mawardi Maylawati, Windi Mega Arum Mihel Tuatfaru Mochamad Saefullah Mohammad Hifni Muhamad Bakhar Muhamad Sarifudin Muhamad Ziaul Haq Muhammad Agus Muljanto Muhammad Asir Muhammad Iqbal Fajri Muhammad Lukman Hakim, Muhammad Lukman Muhammad Najib Mubarrok Muhammad Suparmoko Muharomah, Dewi Robiatun Mulyono, Budi Musdirwan Musran Munizu Mustangin Mutasar muti'ah, Eva mutiah, eva Muti’ah, Eva Mutoharoh, Mutoharoh Najihatul Faridy Najmi, Muazziss Napu, Fithriah Nasution, Annio Indah Lestari Naty Masnawati Nazara, Desman Serius Nazaruddin Ahmad Nene Novi Silvia Sa’adah Nindya Jeni Prastika Ningsih, Rastia Nugroho Djati Satmoko Nursalim Octiva, Cut Susan Pandu Cakranegara Pramono, Setya Pramudianto Pramudianto Pramudianto Pramudianto Prof. Muhammad Suparmoko Puspadina, Mafida Putri Ekaresty Haes Quraysin, Icin Rahayu, Novi Ramadhani, Budi Rastia Ningsih Ratih Purnama Sari Ratih Purnamasari Ratih Purnamasari Ratih Purnamasari, Ratih Renatalia Fika Retno S Susilawati Rezky Nurbakti Riki Ukhtul Fitri Rizky Dwi Prayoga Robbi, Anis Iman Illahi Rosita Septiani Roy Setiawan Rudianto Rudianto Rusman, Hedar Rustaman, Dede Saefudin Saefudin Salapudin Samuel PD Anantadjaya Sari, Gema Ika Sari, Mela Pebriana Sariwardani, Andriani Saut Maruli Tua Pandiangan Sherly Paulina Sifa Faujiah SIGALINGGING, LASRIDA SILVIA EKASARI Silvia Ekasari Siregar, Ade Perdana Siti Aisyah Siti Juariah Siti Masitoh Siti Romlah Sjahruddin, Herman Soleh Sri Rahayu Sangra Dempo Sri Wahyuningsih, Suluh Sri Wasiatul Hasanah Suadma, Udin Subroto, Desty Endrawati Suci Hati Suharjo Suharjo Sukma Indrakusumah Suryadi, Dikky Suseno, Bambang Dwi Susilo Purnaman Sutawidjaya, Achmad H Sutisna Sutisna Muhari Sutisna, Nining Sulastri Suwiro Heriyanto Suwiro Heriyanto Suyadi Syam Ainun Fidiah Syamsu Rijal Syamsul Hadi Syamsul Ph.D M.A. Hadi Syihabudin Syihabudin T. Irfan Fajri Teguh Prakoso Teguh Setiawan Wibowo Toto Heru Dwi Handoko Trihana Kurniawati Tubagus Iwan Ridwan Usmia, Sitti Utami, pertiwi Vicki Agung Triana Wachyu Hari Haji Wawan Saputra Wulan Riska Dewi WULANDARI Yolla Sukma Handayani Zia’ul Fatwa Andini Yusuf