PENGARUH RISIKO KREDIT, KECUKUPAN MODAL, LIKUIDITAS DAN EFISIENSI OPERASIONAL, NET INTEREST MARGIN TERHADAP PROFITABILITAS PADA BANK KONVENSIONAL GO PUBLIK
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
SARI, INTANIA DEWI PUSPITA
Subject
657.9 - ACCOUNTING-BANK
Datestamp
2017-07-03 08:49:20
Abstract :
The purpose of this study to determine the influence of credit risk, capital adequacy, liquidity, and operational efficiency, net interest margin on profitability. Financial ratios used in this study is that the NPL, CAR, LDR, BOPO and NIM. The sample used in this study consisted of 40 conventional banks go public listed on the Indonesia Stock Exchange (BEI) period 2013 - 2015. The sampling method in this study using census method. Data obtained from the Indonesia Stock Exchange (IDX) and the Annual Report. Data analysis method used is multiple linear regression analysis. The Results from this study indicates that Credit risk significant negative effect on Profitability. Capital Adequacy is not a significant positive effect on Profitability. Liquidity significant positive effect on Profitability. Operational Efficiency significant negative effect on Profitability. Net Interest Margin significant positive effect on Profitability. Keywords: credit risk, capital adequacy, liquidity, operational efficiency, net interest margin, and profitability
The purpose of this study to determine the influence of credit risk, capital adequacy, liquidity, and operational efficiency, net interest margin on profitability. Financial ratios used in this study is that the NPL, CAR, LDR, BOPO and NIM. The sample used in this study consisted of 40 conventional banks go public listed on the Indonesia Stock Exchange (BEI) period 2013 - 2015. The sampling method in this study using census method. Data obtained from the Indonesia Stock Exchange (IDX) and the Annual Report. Data analysis method used is multiple linear regression analysis. The Results from this study indicates that Credit risk significant negative effect on Profitability. Capital Adequacy is not a significant positive effect on Profitability. Liquidity significant positive effect on Profitability. Operational Efficiency significant negative effect on Profitability. Net Interest Margin significant positive effect on Profitability. Keywords: credit risk, capital adequacy, liquidity, operational efficiency, net interest margin, and profitability
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