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Pengaruh Tingkat Suku Bunga, Dana Pihak Ketiga dan Non Performing Loan Terhadap Profitabilitas Bank BUMN Indonesia Ali, M Rama; Siyo, Kasim
Jurnal Riset AKuntansi dan Bisnis Vol 24, No 2 (2024): SEPTEMBER
Publisher : Jurnal Riset Akuntansi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/21365

Abstract

This study aims to analyze the influence of interest rates, third-party funds (DPK), and non-performing loans (NPLs) on the profitability of state-owned banks in Indonesia. Bank profitability is an important factor in maintaining business continuity and increasing public trust. The independent variables used in this study are interest rates, deposits, and NPLs, while the dependent variables are profitability as measured by the Return on Assets (ROA) ratio. The research method used is a quantitative approach using secondary data from the financial statements of state-owned banks for the 2013-2022 period. Data analysis was carried out using multiple linear regression to test the influence of independent variables on dependent variables. The results of the study show that interest rates have no effect on profitability, while deposits and NPLs have a positive and significant effect on the profitability of state-owned banks. These findings imply that state-owned banks need to consider appropriate policies related to interest rate management, deposits, and NPLs to increase profitability and maintain financial performance stability
Analisis Faktor-Faktor yang Mempengaruhi Kinerja Keuangan Sektor Perbankan di Bursa Efek Indonesia Uli, Evita; Siyo, Kasim
AKSIOMA : Jurnal Sains Ekonomi dan Edukasi Vol. 1 No. 7 (2024): AKSIOMA : Jurnal Sains, Ekonomi dan Edukasi
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/gtx1af28

Abstract

The purpose of this study is to determine the partial to simultaneous influence of Capital, Asset, Management, Earnings, Liquidity variables as well as sensitivity to market risk on Return on Assets (ROA). This research was conducted on Banking Sector companies listed on the Indonesia Stock Exchange. The research approach uses quantitative research. The total population in this study is 46 banking companies that have entered and listed stocks during the observation period of 2018-2022, which is 5 years. The company met the sample withdrawal criteria, namely the entire population of 40 companies, so the sample in this study was 40 x 5 = 200 financial statements. The analysis tool in this study is Eviews version 13. The data analysis technique uses panel data regression analysis. The results of his research show that partially CAR has a significant positive effect on ROA. NPLs have no positive and insignificant effect on ROA. LDR has a significant positive effect on ROA. BOPO has a significant positive effect on ROA. PDN had a significant positive effect on ROA and NPM had no positive and insignificant effect on ROA. Meanwhile, simultaneously the variables CAR, NPL, LDR, BOPO, PDN and NPM simultaneously had a significant positive influence on ROA. The contribution of all variables was 53.30%.