ANALISIS FAKTOR MIKRO EKONOMI YANG MEMPENGARUHI PROFITABILITAS PERBANKAN (Studi Pada Bank Go Public Yang Listed Di Bursa Efek Indonesia Periode 2018-2021)

Dewi Margiyati, Sarsiti Sarsiti

Abstract


This study aims to determine the effect of CAR, NPL, and NIM on the ROA of banking companies listed on the Indonesia Stock Exchange in 2018-2021 either partially or simultaneously. The hypothesis in this study is that CAR, NPL, and NIM affect the ROA of banking companies listed on the Indonesia Stock Exchange in 2018-2021 either partially or simultaneously. This research is a survey research with quantitative research type. The data used in this study uses secondary data from the financial statements of banking companies on the IDX for the period 2018-2021. The research population is all banking companies listed on the IDX for the 2018-2021 period as many as 43 companies with a total sample of 114 data. The analysis technique used is multiple linear regression test, t test, F test, and coefficient of determination test. The results of the study conclude that the Capital adequacy ratio (CAR) has no effect on profitability as seen from the return on assets (ROA) in banking companies. Non-performing loans (NPL) have a significant negative effect on profitability as seen from the return on assets (ROA) of the company. banking. Net interest margin (NIM) has an effect on profitability as seen from the return on assets (ROA) in banking companies.

Keywords


CAR, NPL, NIM and ROA

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References


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