Determinan Profitabilitas Bank: Peran Capital Adequacy Ratio dan Net Interest Margin

Eli Erfandi (Institut Teknologi dan Bisnis ADIAS)
Yusuf Wijoyanto (Institut Teknologi dan Bisnis ADIAS)
Yayan Nuryana (Institut Teknologi dan Bisnis ADIAS)
Yosi Pupus Indriyani (Institut Teknologi dan Bisnis ADIAS)

Optimal: Jurnal Ekonomi dan Manajemen
Vol. 5 No. 2 (2025): Jurnal Ekonomi dan Manajemen

This study aims to evaluate the effect of Capital Adequacy Ratio and Net Interest Margin on Profitability in Conventional Commercial Banks listed on the Indonesia Stock Exchange (IDX) for the period 2022-2024. Regression analysis is used to analyze financial data from selected companies in this sector. Data were obtained from annual reports published by the company and available on the IDX website. This study uses a Purposive Sampling technique using a sample of 90 Annual Report data. The testing in this study uses the Descriptive Statistical Analysis method, Classical Assumption Test, Multiple Linear Regression Test, Determination Coefficient Test, T Test, and F Test using the SPSS analysis tool. The results of the analysis show that the Capital Adequacy Ratio has a significant effect on Profitability in this context. In addition, Net Interest Margin has a significant effect on Profitability. Simultaneously, the Capital Adequacy Ratio and Net Interest Margin have a significant effect on Profitability.