Claim Missing Document
Check
Articles

Found 2 Documents
Search

Dampak Risiko Likuiditas terhadap Profitabilitas pada Bank yang Terdaftar di Bank Indonesia Andriansyah, Rizky; Fauzi, Restu Agung; Leon, Farah Margaretha
JURNAL AKUNTANSI DAN MANAJEMEN Vol 8 No 2 (2024): Accounting and Management Journal
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/amj.v8i2.6633

Abstract

This study aims to identify variables that affect profitability in banking companies listed on the Indonesia Stock Exchange. The addition of credit risk variables as independent variables is a novel part of this study. This research method includes data collection from 20 banking companies over a five-year period (2019–2023) with a total of 100 data that meet the criteria with the application of data processing analysis using panel data regression analysis techniques. The results of the study found that liquidity risk has a significant negative effect on profitability, while the loan to deposit ratio and cash reserve ratio have a significant positive effect on profitability. Financial managers also need to be proactive in developing strategies, facing challenges, and adapting to technological developments in determining banking strategies to ensure the success of the bank. So investors need to consider the potential benefits and risks associated with credit risk because it can disrupt the performance of the banking sector, as well as conducting fundamental analysis and portfolio diversification to minimize risk. Investors also need to look at the operational side of the bank by paying attention to improving the bank's operational performance because this can increase the bank's income from various types of services, such as transaction fees, deposit interest, and loan fees. 
Pengaruh Suku Bunga Bank Indonesia Stabilitas Keuangan dan Pertumbuhan Terhadap Kinerja Bank Andriansyah, Rizky; Anita Roosmalina Matusin, Bahtiar Usman, Henny Setyo Lestari, Catur Rahayu Martiningtiyas,
YUME : Journal of Management Vol 9, No 1
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v9i1.10690

Abstract

This study aims to analyze the determinants of profitability of banking sector companies in Indonesia. Profitability is measured using return on assets (ROA). Independent variables and control variables include Bank Indonesia interest rates, revenue growth rate, financial stability, capital adequacy, bank size, and leverage. The study used a sample of 215 data from 43 companies for 5 years, with purposive sampling technique. The test method used panel data regression using E-views 9 software. The results showed that revenue growth rate, capital adequacy, and bank size had a positive effect on ROA and other variables showed no effect on ROA. The results of this study are expected to provide implications for financial managers by considering the level of revenue growth rate, capital adequacy, dan bank size through optimizing quality lending, ensuring that core capital and supplementary capital remain strong, and encouraging healthy and sustainable growth in bank assets in order to increase bank profitability. Keywords:Return on assets, Revenue Growth Rate, Capital Adequacy, Bank Size, Profitability