Pengaruh Rasio Kecukupan Modal, Likuiditas, Risiko Kredit, Efisiensi Biaya Dan Tingkat Inflasi Terhadap Profitabilitas Pada Sektor Perbankan

Abstract

Banking has a very crucial role in the national economy, because banks are often described as being the heart of the national economy. The bad development of a bank will affect the national economy, where this development will always be accompanied by challenges that must be faced. The regulatory burden that requires banks to set aside additional capital for banking capital reserves is aimed at mitigating world financial markets that have the potential to hamper bank stability. This research was conducted to find out how much profitability in banking sector companies listed on the Indonesia Stock Exchange in the 2017- 2020 period had a significant impact on profitability. The population is all banking sector companies listed on the Indonesia Stock Exchange in the 2017-2020 period while the sample is 10 banks listed on the IDX with the largest number of assets based on Bank Indonesia using the purposive sampling method. The results of this study provide significant CAR and LDR but do not affect ROA. Meanwhile, partially NPL, BOPO and CPI have a significant impact on ROA. The magnitude of the impact of predictor variables on profitability using the results of multiple linear regression statistical tests, the adjusted R² value is 0.922. This means that the impact given by the independent variable on the dependent variable is also partially simultaneous, which is 92.2%. While the remaining 7.8% is influenced by other variables outside this research model