Journal of Humanities and Social Studies
Vol 9, No 2 (2025): Journal of Humanities and Social Studies

The Impact Of Credit Risk On The Profitability Of Conventional Banks In Indonesia

Rahmawati, Nur Intan (Unknown)
Ningsih, Indah Ayu (Unknown)
Muchtar, Susy (Unknown)

Article Info

Publish Date
23 Oct 2025

Abstract

This study aims to examine the effect of Non-Performing Loans on profitability, to examine the effect of Capital Adequacy Ratio on profitability, to examine the effect of Total Loan to Assets Ratio on profitability, and to examine the effect of Total Loan to Deposit Ratio on profitability. The approach used in this study is quantitative with secondary data obtained from the Indonesia Stock Exchange and annual reports of companies listed on the Indonesia Stock Exchange during the period 2018 to 2023. Based on this study, it is concluded that Non-Performing Loans have a significant negative effect on bank profitability. Capital Adequacy Ratio does not affect bank profitability. Total Loan to Asset Ratio does not affect bank profitability. Total Loan to Deposit Ratio also does not affect bank profitability.

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Journal Info
Journal of Humanities and Social Studies
Website

Abbrev

jhss

Publisher

Universitas Pakuan

Subject

Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

Description

Journal of Humanities and Social Studies is an academic journal that publishes scientific papers in the field of humanities and social studies. This journal is published two times a year (March and September) by Lembaga Penelitian dan Pengabdian Pada Masyarakat, Universitas Pakuan Bogor since 2017. ...