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Pengaruh Risiko Kredit, Risiko Tingkat Bunga, Efesiensi Operasional terhadap Profitabilitas pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Pada Tahun 2019-2022 Muhamad Rizky Aditya; Handri; Pratiwi , Rizka Estisia
Bandung Conference Series: Business and Management Vol. 4 No. 1 (2024): Bandung Conference Series Business and Management
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcsbm.v4i1.11054

Abstract

Abstract. This study aims to determine whether there is an effect of Credit Risk (NPL), Interest Rate Risk (NIM), Operational Efficiency (BOPO) on Profitability (ROA) in banking companies listed on the Indonesia Stock Exchange in 2019-2022. This research uses quantitative methods with descriptive and verifiative approaches. The sampling technique used purposive sampling data of the study population was 47 companies and the sample used was 26 companies. Data analysis using regression panel data processed using Eviews 12 Software to see the influence of independent variables on dependent variables both simultaneously and partially The results obtained in this study show that simultaneously (test F) credit risk (NPL), Interest Rate Risk (NIM), Operational Efficiency (BOPO) simultaneously have a significant effect on profitability (ROA) by contributing 77.29%. Meanwhile, through a partial test (t-test) the Credit Risk (NPL) variable does not have a significant effect on porfitability (ROA). Meanwhile, the variables of Interest Rate Risk (NIM), and Operational Efficiency (BOPO) partially have a significant effect on profitability (ROA). Abstrak. Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh Risiko Kredit (NPL), Risiko Tingkat Bunga (NIM), Efesiensi Operasional (BOPO) terhadap Profitabilitas (ROA) pada prusahaan perbankan yang terdaftar di Bursa Efek Indonesia pada tahun 2019-2022. Penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif dan verifikatif. Teknik pengambilan sampel yang digunakan purposive sampling data populasi penelitian sebanyak 47 perusahaan dan sampel yang digunakan sebanyak 26 perusahaan. Analisis data menggunakan regresi data panel yang diolah menggunakan Software Eviews 12 untuk melihat pengaruh variabel independen terhadap variabel dependen baik secara simultan maupun parsial Hasil yang didapatkan dalam penelitian ini menunjukkan bahwa secara simultan (uji F) risiko kredit (NPL), Risiko Tingkat Bunga (NIM), Efesiensi Operasional (BOPO) secara simultan berpengaruh signifikan terhadap profitabilitas (ROA) dengan memberikan kontribusi sebesar 77,29%. Sedangkan melalui uji parsial (uji t) variabel Risiko Kredit (NPL) tidak bepengaruh signifikan terhadap porfitabiltas (ROA). Sedangkan variabel Risiko Tingkat Bunga (NIM), dan Efesiensi Operasional (BOPO) secara parsial berpengaruh signifikan terhadap profitabiltas (ROA)
HUBUNGAN ETIKA DENGAN PROFESI SERTA SIKAPNYA DAN PERMASALAHAN DALAM MASYARAKAT MODERN DI ERA DIGITALISASI Muhammad Zakky Elyasin; Atsna Auliya Mahfudhoh; Muhamad Rizky Aditya
JURNAL ILMIAH NUSANTARA Vol. 2 No. 3 (2025): Jurnal Ilmiah Nusantara
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v2i3.4461

Abstract

Technological developments have a major impact on all levels of society, including the legal profession. The increasing availability of data, instant communication capabilities, and easier access to legal information are driving major changes in legal practice and requiring legal professionals to adapt to new technologies. While these changes create opportunities for increased efficiency, they also pose complex ethical challenges. This research is a type of library research, namely research whose main object is books, books, magazines, pamphlets, and other documentary materials. Therefore, in this study, in unraveling the problem of using texts related to morality and the Legal Profession in the Digital Era, ethical attitudes in modern law and law in social change, c. Ethical attitudes in modern law as a tool of social engineeringThe development of digital technology has brought significant changes in the field of medicine