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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.
Pengaruh Variabel Keuangan dan Regulasi terhadap Harga Saham Perbankan di Indonesia: Studi Kasus pada Perbankan Indonesia Tenika, Eiyagina; Muchtar, Susy
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 4 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i4.1207

Abstract

One user of financial reporting information is investors. An investor's main interest in a company's financial statements is to find out how profitable the company is from the perspective of capital investment in the company. One way to get more accurate information is to carry out financial ratio analysis. The data analysis used in this research is descriptive analysis and multiple regression analysis. This calculation uses statistical methods supported by the SPSS for Windows program to measure the impact of a bank's financial performance on its share price. 61.00% of the variation in all independent variables (CAR, RORA, NPM, ROA, and LDR) can explain the dependent variable (share price). The remaining 39.00% is explained by other variables not proposed in this research.