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Tenika, Eiyagina
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Economics, Econometrics & Finance

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The Influence of Credit Risk on Bank Profitability in Indonesia Mafaza, Jihan; Dwi Safitri, Maharani Dheva; Tenika, Eiyagina; Lestari, Henny Setyo
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6029

Abstract

This study aims to examine the effect of capital adequacy ratio, non-performing loan, loan loss provisions ratio, loan-to-deposit ratio, loan-to-asset ratio, bank size, and bank age on financial performance as measured by return on assets (ROA) in 35 banking companies listed on the Indonesia Stock Exchange during the period 2018-2022. The study results indicate that capital adequacy ratio, non-performing loan, loan loss provisions ratio, and bank size do not significantly affect bank financial performance. On the other hand, loan-to-deposit ratio, loan-to-asset ratio, and bank age were found to significantly impact ROA, indicating that liquidity and company age factors are important determinants in improving banking financial performance.
Co-Authors Dwi Safitri, Maharani Dheva Lestari, Henny Setyo Mafaza, Jihan