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PENGARUH CAPITAL ADEQUACY RATIO (CAR), NON-PERFORMING LOAN (NPL), DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON EQUITY (ROE) (STUDI KASUS PADA PERBANKKAN DI INDONESIA YANG TERDAFTAR DI BEI TAHUN 2020-2024) Rabbani, Muhammad Yusuf Rafi; Imronudin, Imronudin
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2242

Abstract

An assessment of the banking sector cannot be separated from its financial condition, as this reflects a company’s ability to generate profits. This study aims to analyze the impact of CAR, NPL, and LDR on ROE for banks listed on the IDX during the 2020–2024 period. This study employs a quantitative approach using secondary data derived from the financial statements of banks listed on the IDX during the 2020–2024 period. The sample was selected using purposive sampling. Data analysis includes descriptive statistics, classical assumption tests, and multiple linear regression with hypothesis testing using the R² test, F-test, and t-test. The results of this study indicate that CAR and NPL have a significant impact on ROE. LDR does not have a significant impact on ROE.
Determinan Behavioral Intention Pada Platform E- Commerce Di Kalangan Mahasiswa Dengan Integrasi Model Utaut2 Dan Perceived Risk Pegi Pradana; Farid Wajdi; Imronudin Imronudin
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 5 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/dz2xbx93

Abstract

The development of financial technology has encouraged the increasing use of buy now pay later (paylater) services on e-commerce platforms, particularly among university students as digital natives. Easy access, payment flexibility, and fast transaction processes have made paylater services increasingly popular. However, the use of these services also creates financial risks, such as consumptive behavior and potential payment defaults. This study aims to analyze the effects of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit, and perceived risk on the behavioral intention to use paylater services among students in OKU Timur. This research employed a quantitative approach using a survey method through online questionnaire distribution to students who use paylater services. Data analysis was conducted using Structural Equation Modeling–Partial Least Square (SEM-PLS) with SmartPLS software. The results indicate that performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, and habit positively affect behavioral intention, while perceived risk has a negative effect. The most dominant variable influencing behavioral intention is performance expectancy. This study concludes that perceived usefulness is the main factor encouraging students to use paylater services, whereas perceived risk tends to reduce their intention to use such services.
Co-Authors Achyarnis, Achyarnis Aflit Nuryulia Praswati andi hermawan Anggraini, Puput Diah Ardhaneswari, Rena Arief Gunawan, Rizky Astira, Ucu Aulia Uzzulfa Ayu T P, Delonika Diah Bagas Febryanto Berliana Widyaningrum Budi, Agha De Aghna Setya Burhannudin Ichsan C Chuzaimah Cahyani, Bintang Defri Devi Setiyani Devira Mezza Herawati Diana Krismunita Diva Kanisa, Ireniza Dwi Budi Santoso Dwiyanti, Heni Elin Nur Kuatin Em Sutrisna Ema Muawanah Eva Maulani Fajar Juni Widyanto Famela Apriningtyas Fatchiatuzahro, Fatchiatuzahro Fatchiatuzzahro, Fatchiatuzzahro Finnia Fauzia Fathia Fitriana, Hindun Harwanto, Salsabila Fadhilah Farah Henry Dwi Wahyudi Ihwan Susila Isti Khoirul Rochmah Jati Waskito Javed Ghulam Hussain Kartika Chandra Puspita Kussudyarsana Lestari, Niya Langgeng Liana Mangifera M. Farid Wajdi M. Sholahuddin Mahfud Nugroho Ma’rifah Ma’rifah Moechammad Nasir Moefida, Noeroel Mubarok, Andi Husni Muhammad Farhan Musyaffa’ Muhammad Haryo Jatmiko Muhammad Yusuf Abdhul Fatah Muhammad, Riza Muizza Fattah Mughni Muzakar Isa Niken Wulandari Nirbita Albertina Pegi Pradana Pratama, Mohammad Aldhi Putri, Astina Putri, Diva Ardelia Rabbani, Muhammad Yusuf Rafi Rahmadanti, Adinda Meissy Ratnaningrum, Anna Reyyaldi Aprilsa Pratama Reza, Riza Muhammad Rike Anggun Artisa Rikhi Adriana Rini Kuswati RIZA MUHAMMAD Riza, Riza Muhammad Sabiila Indra Prameswari Safari Wahyu Jatmiko Sajiwo Tri Prakoso Salsabila, Hasna Sasongko Tri Utomo Soepatini Sugiyanto Sugiyanto Syamsudin Syamsudin Syamsudin Syamsudin Tsalista Kindah Salama Utomo, Sasongko Tri Utomo, Sasongko Tri Vita Ardiyantiningsih Widyawati, Lia Ratna Wijayadi, Pandu Winda Linansya Wisnu Aji, Arfa Nurrexa Wiyadi Wiyadi Yusria, Lana Yusuf Alam Romadhon Yusuf Widayanto, Agasi Yusuf, Amry Irsyada