Multiple Linear Regression Analysis Model Research Articles

Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba Pada Perusahaan Manufaktur yang Terdaftar di Bursa Efek Indonesia

The purpose of this research is to collect data that demonstrates how various financial ratios affect the development of a company's bottom line. Multiple ratios are used in the analysis, such as the Current Ratio (CR), Debt to Equity Ratio (DER), Total Asset Turnover (TAT), and Net Profit Margin (NPM). This research covers the time period from 2017 to 2021 and is limited to manufacturing companies that are listed on the Indonesia Stock Exchange. Eight of these organizations make up the sample size for this study. The f-test and t-test are used to examine the hypotheses, and the multiple linear regression analysis model is used for data analysis in this study. This investigation suggests that neither the Current Ratio (CR), nor the Debt to Equity Ratio (DER), nor the Total Asset Turnover (TAT) significantly affects the development of profits. However, the Net Profit Margin (NPM) is found to be a highly important predictor of future profits. Current Ratio (CR), Debt to Equity Ratio (DER), Total Asset Turnover (TAT), and Net Profit Margin (NPM) were used as independent variables in this investigation.

Pengaruh Kinerja Pegawai terhadap Pengembangan Karir Dinas Pekerjaan Umum dan Penataan Ruang Kabupaten Karawang

This study aims to determine the effect of employee performance on the career development of the Public Works Service and Karawang regency spatial planning. This type of research is quantitative research with descriptive and verification research methods. The sample in this study was 175. The sampling technique used in this study was saturated sampling. The analysis model in this study uses a multiple linear regression analysis model. The results of the study show that there is an influence between employee performance on the career development of the Public Works Office and spatial planning of the Karawang regency.

Analisis Perilaku Konsumtif Berdasarkan Pengaruh Konsumsi Islam

Shopee PayLater is a form of fintech that allows users to shop online by delaying payment. However, the use of paylater itself is a problem because the MUI fatwa prohibits paylater because it contains riba in its implementation practices, In the campus environment, one of which is FEB Universitas Brawijaya students, it is undeniable that consumptive behavior is one of the behaviors that are often found. This study aims to analyze the effect of debt understanding, usury understanding, financial literacy, and religiosity on the consumptive behavior of students of the Faculty of Economics and Business, Universitas Brawijaya. The research methodology used in this type of research is descriptive quantitative with multiple linear regression analysis models. The results of this study are that understanding debt and financial literacy affect consumptive behavior, while understanding usury and religiosity do not affect consumptive behavior. The implications of this research are expected to contribute insight into the use of Shopee PayLater on consumptive behavior. In addition, it can also be used by educational institutions and governments in controlling consumptive behavior.

ANALISIS PENGARUH KOMPETENSI KERJA, KOMPENSASI, DAN MOTIVASI TERHADAP KINERJA KARYAWAN BAGIAN PEMBIAYAAN PADA PT BANK SYARIAH INDONESIA KANTOR CABANG SEMARANG MT HARYONO

This study aims to analyze and obtain empirical evidence regarding the effect of competence, compensation, and motivation on the performance of employees in the financing department (a case study at PT Bank Syariah Indonesia, Tbk Semarang Branch Office, MT. Haryono) either simultaneously or partially. The population in this study were all employees of the financing department at PT Bank Syariah Indonesia, Tbk Semarang MT Branch Office. Haryono. The sampling technique used saturated sampling, as many as 35 respondents. The data used in this study is primary data obtained through the distribution of questionnaires. The data analysis model uses Multiple Linear Regression Analysis Model. Meanwhile, the data analysis technique used the F Statistical Test, the Coefficient of Determination (R2), and the t-Statistical Test. The results of the analysis and discussion show that the variables of competence, compensation, and motivation simultaneously have a significant effect on the performance of employees in the financing department at PT Bank Syariah Indonesia, Tbk Semarang MT Branch Office. Haryono. Partially, the variables of competence, compensation, and motivation each have a positive and significant effect on the performance of employees in the financing department at PT Bank Syariah Indonesia, Tbk Semarang MT Branch Office. Haryono. Keywords: Employee Performance in Financing, Competence, Compensation, Motivation.

Association between autonomic dysfunction with motor and non-motor symptoms in patients with Parkinson's disease.

To investigate the association between autonomic dysfunction (AutD) and motor as well as non-motor symptoms (NMS) in patients with Parkinson's disease (PD). Fifty-three PD patients were divided into two groups based on the number of domains affected by AutD: a multi-domain AutD group (AutD-M) and a single-domain AutD group (AutD-S), as evaluated using the Scale for Outcomes in Parkinson's disease-Autonomic (SCOPA-AUT), which assesses autonomic symptoms, one of the NMS. A comprehensive comparison was conducted between the two groups, including clinical measures such as clinical scales, quantitative evaluations of motor function and exercise capacity. Spearman correlation analysis was employed to investigate the relationship between AutD severity and PD symptoms. Additionally, we performed multiple linear regression model analysis to determine whether associations between SCOPA-AUT scores and clinical assessments remained significant after adjusting for Hoehn and Yahr stage, sex, and age. PD patients in the AutD-M group exhibited significantly more severe NMS and motor symptoms compared to those in the AutD-S group. In correlation analysis, SCOPA-AUT scores showed significant correlations with multiple clinical symptoms, such as most of the NMS, 10-MWT and CPET parameters. Furthermore, regression analysis also revealed that more pronounced fatigue, anxiety, depressive symptoms, worse walking speed and impaired exercise capacity were associated with higher SCOPA-AUT scores. The presence of AutD is correlated with emotional disturbances, decreased exercise endurance, and impaired gait function in patients with PD. Early management of AutD may prove beneficial in alleviating some NMS and motor symptoms in PD.

Multilevel Analysis of The Implementation of The Health Belief Model on Antenatal Visit at Integrated Health Posts in Kapuas Hulu, West Kalimantan, Indonesia

Background: Antenatal care (ANC) is carried out to prevent causes of morbidity (illness or complications) and mortality (death) in pregnant women and children. This study aimed to determine the relationship between the application of the health belief model and the behavior of utilizing/visiting antenatal services. Subjects and Method: The research was conducted with a cross-sectional study design. The approach taken was to use an analytical observational model with a sample size of 213 pregnant women. This research was conducted at the Kapuas Hulu District Health Center. This research was conducted in November-December. A sample of 213 pregnant women was selected using stratified random sampling. The dependent variable in this study is ANC visits. Meanwhile, the independent variables in this study were perceived vulnerability, perceived severity, perceived benefits, self-efficacy, and gestational age. Data collection was carried out using a questionnaire and data was analyzed using a multilevel multiple linear regression analysis model. Results: ANC visits increased with high perceived susceptibility (b= 0.13; 95% CI= 0.06 to 0.20; p < 0.001), high perceived severity (b= 0.17; 95% CI= 0.12 to 0.21; p < 0.001), high perceived benefit ( b=0.13; 95% CI= 0.09 to 0.18; p <0.001), high self-efficacy (b= 0.11; 95% CI= 0.03 to 0.18; p=0.005), and high gestational age (b= 0.15; 95% CI = 0.10 to 0.20; p < 0.001). Conclusion: Several constructs in the Health Belief Models which include perceived vulnerability, perceived severity, perceived benefits and perceived self-efficacy can be used as predictors of antenatal visits for pregnant women at Integrated service post, Kapuas Hulu Regency, West Kalimantan Province. Resulting in an ICC of 14.9%, which means there is a contextual influence of Integrated service post on antenatal visits of pregnant women. Keywords: multilevel analysis, health belief model theory, antenatal care, pregnant women. Correspondence: Titis Cipta Purwantanti. Master’s Program in Public Health, Universitas Sebelas Maret. Jl. Ir. Sutami 36A, Surakarta 57126, Central Java, Indonesia. Email: tantie354@gmail.com. Mobile: +6282159504448.

Pengaruh Kinerja Keuangan Terhadap Kebijakan Dividen Pada Perusahaan Telekomunikasi Saat Pandemi Covid-19

This study uses telecommunication companies as a research object because the pandemic does not affect this industry. Therefore, researchers want to see whether telecommunication companies can continue growing and surviving the COVID-19 pandemic. The method used in this study is a quantitative approach; the nature of the research is deductive, and samples selected with purposive sampling techniques. The population of this study was telecommunication companies listed on the Indonesia Stock Exchange 2020-2022 period. The research sample was 27 companies for 3 years, which was analyzed by a multiple linear regression analysis model. The study's results simultaneously showed that liquidity, leverage, and profitability affected the telecommunication companies' dividend policy on the Indonesia Stock Exchange in the 2020-2022 period by 52,2 %, the remaining influenced by other variables. Partially, the profitability affected the telecommunication companies' dividend policy on the Indonesia Stock Exchange in the period 2020-2022. Partially, liquidity and leverage do not affect profitability in the telecommunication companies' dividend policy on the Indonesia Stock Exchange in the 2020-2022 period.

Vocal Self-Perception of Singers During COVID-19 Pandemic.

to compare the self-perception of vocal fatigue and use of singing voice during the COVID-19 pandemic between professional and amateur singers and to relate this self-perception with vocal use characteristics during this period. Participants were 121 singers divided into professional singers group (PSG) (12 men and 20 women) comprising singers who depended exclusively on singing as a profession and an amateur singers group (ASG) (37 men and 52 women) of singers who did not depend exclusively on singing for their livelihood. All answered online questionnaires through Google Forms ®. Sociodemographic and vocal characteristics were investigated before and during the pandemic; symptoms of vocal fatigue were assessed through the vocal fatigue index (VFI); and self-perception of use of singing voice through the evaluation of the ability to sing easily protocol for Brazil (EASE-Br). In the comparison between groups, the PSG presented higher scores of vocal fatigue in fatigue and vocal limitation (P=0.045), vocal restriction (P=0.002), and recovery with vocal rest (P=0.008) domains than did the ASG. There was no difference between the groups regarding the use of singing voice. Based on the relationship between self-perception and vocal use characteristics during the pandemic, it was observed that the presence of vocal complaint was the only factor associated with self-perception of fatigue symptomatology in both groups. Regarding the self-perception of the current status of the singing voice, singing time, the presence of vocal complaints, the need to increase visual concentration, and the perception of vocal worsening during the pandemic were considered predictive for amateur singers. For professional singers, vocal complaints and vocal training were predictors for self-perception of the current status of the singing voice. Professional singers presented with higher scores of vocal fatigue than did amateur singers. The symptomatology of vocal fatigue was associated with the presence of vocal complaints in both groups. However, self-perception of the current status of the singing voice was different between the groups and was associated with vocal training for professional singers and characteristics of vocal demand of singing voice during the pandemic period for amateur singers.

Consumer awareness and knowledge regarding use of non-steroidal anti-inflammatory drugs (NSAIDs) in a metropolitan area.

Non-steroidal anti-inflammatory drugs (NSAIDs) have well-known adverse effects, and numerous studies have shown inappropriate behaviors regarding their use. The primary aim of this study was to analyze the knowledge, attitudes, and behaviors regarding the use of NSAIDs simultaneously in one of the largest and most populated areas of Italy, Naples. From 2021 December 14th to 2022 January 4th, a cross-sectional survey study was conducted among community centers, working places, and universities using a snowball sampling method. For inclusion in the study, the participants were required to be at least 18 years old and residents in the metropolitan area of Naples. Three multiple linear regression analysis (MLRA) models were developed by including variables that could potentially be associated with the following outcomes of interest: knowledge (Model I), attitudes (Model II), and behavior (Model III) regarding the use of NSAIDs. Data were acquired from 1,012 questionnaires administered to subjects evenly divided by gender with an average age of 36.8 years and revealed that only 7.9% of the participants self-admittedly did not take NSAIDs, while approximately half the participants (50%) admitted to occasionally using them. The results showed a statistically significant correlation between attitudes regarding the appropriate use of NSAIDs and less knowledge. The regression analyses indicated that behaviors regarding the appropriate use of NSAIDs were statistically significant in younger respondents, non-smokers, and those without children. These interesting results showed that behaviors regarding the appropriate use of NSAIDs were significantly higher among respondents with less knowledge and more positive attitudes. According to the collected data and statistical analysis results, it is possible to identify factors that can greatly affect inappropriate behaviors regarding the use of NSAIDs and establish targeted prevention programs.

Factors Affecting Indonesia's Iron and Steel Exports to Singapore

This study aims to determine the effect of Singapore's Gross Domestic Product (GDP), Inflation and the Rupiah/US$ exchange rate on Indonesia's iron and steel exports to Singapore in 2006-2021.This study uses secondary data that is time series. The method used in this study is Ordinary Least Square (OLS) for the multiple linear regression analysis model using the Eviews 10 statistical program.The results of this study indicate that simultaneously GDP, inflation and the exchange rate have a significant effect on the value of Indonesia's iron and steel exports to Singapore in 2006-2021. Partially, Singapore's Gross Domestic Product (GDP) and inflation have had a positive effect on Indonesian iron and steel exports to Singapore in 2006-2021, while the Rupiah exchange rate against the US$ has a negative effect on Indonesian iron and steel exports to Singapore in 2006-2021.

딥러닝을 활용한 출산율 예측 모형의 제안

This study applied the multiple linear regression analysis and DNN-based artificial intelligence models to determine the impact of population, social, economic, educational, and real estate factors, and educational and medical facility infrastructure on fertility rates in cities and provinces. It intends to predict the fertility rate to overcome the national crisis and provide essential data to address low fertility rate. Younger age at marriage and pregnancy, and higher real estate and apartment lease prices significantly impact fertility rate in cities. An increase in obstetrics and gynecology medical institutions slightly lowers fertility rate. Meanwhile, higher cost of private education, and an increase in number of kindergartens and elementary schools positively affect fertility rate. Furthermore, a higher gross regional product per capita leads to a higher fertility rate. Predicting fertility rate can provide basic data for policy preparation to address low fertility rates.

Pengaruh Analisis Kepuasan, Kemudahan, dan Kepercayaan Terhadap Minat Menggunakan Aplikasi Flip.id by Shifa Lailia

This study aims to analyse and obtain empirical evidence regarding the effect of satisfaction, convenience, and trust on interest in using the Flip.id application (study on Flip.id user Commercial Bank customers) both simultaneously and partially. The population in this study were all customers at Flip.id user Commercial Banks. The sampling technique used purposive sampling technique, as many as 100 respondents. The data used in this study are primary data obtained through distributing questionnaires. The data analysis model uses the Multiple Linear Regression Analysis Model. While the data analysis technique uses the F Statistical Test, the Coefficient of Determination (R2), and the t Statistical Test. The results of the analysis and discussion show that the variables of satisfaction, convenience, and trust simultaneously have a significant effect on interest in using the Flip.id application (Study on Commercial Bank customers who use Flip.id). Partially, the variables of satisfaction and trust each have a significant effect on the interest in using the Flip.id application (Study on Commercial Bank customers who use Flip.id) whereas, the convenience variable partially does not have a significant effect on the interest in using the Flip.id application (Study on Commercial Bank customers who use Flip.id).

FAKTOR YANG MEMPENGARUHI KOMITMEN ORGANISASI PADA KARYAWAN RUMAH SAKIT UMUM MUHAMMADIYAH PONOROGO

Organizational commitment is a behavior in organizations that is widely discussed and researched, this is because organizations need employees who have high organizational commitment so that the organization can continue to survive and improve the services and products it produces. This research aims to determine the influence of Job Satisfaction, Work Environment and Job Design on Organizational Commitment among Employees at the Muhammadiyah Ponorogo General Hospital. This research uses a quantitative approach, namely data that can be calculated in the form of numbers. This research using quantitative methods is intended to determine the influence of Job Satisfaction, Work Environment and Job Design on Organizational Commitment at the Muhammadiyah Ponorogo General Hospital. The author's data analysis began with collecting and processing data in the form of a closed questionnaire with a Likert scale where alternative answers with a value of 1 to 5 were scored based on answers to questions regarding Job Satisfaction (X1), Work Environment (X2), and Job Design (X3). ) and Organizational Commitment (Y). Based on the results of the discussion according to the data managed using the multiple linear regression analysis model, it is concluded that; Based on the results of the t test for the independent variable Job Satisfaction, the calculated t value > t table (5.131 > 1.990) is obtained, so Ho is rejected, meaning that there is an influence of Job Satisfaction on Organizational Commitment. Work Environment, obtained by the calculated t value > t table (6.796 > 1.990), then Ho is rejected, meaning that there is an influence of the Work Environment on Organizational Commitment. Job Design, obtained by the calculated t value > t table (3.009 > 1.990), then Ho is rejected, meaning that there is an influence of Job Design on Organizational Commitment. Meanwhile, based on the F test results for the dependent variable Organizational Commitment, the calculated F value > F table (50.735 > 2.70) is obtained, so Ho is rejected, meaning that there is an influence of Job Satisfaction, Work Environment and Job Design together/simultaneously on Organizational Commitment.
 Keywords: Job Satisfaction, Work Environment, Job Design, Organizational Commitment

Health Risk Assessment of Heavy Metals in Soil of Lalu Wetland Based on Monte Carlo Simulation and ACPS-MLR

Lalu wetland is the world’s largest plateau urban wetland. It was designated as a national-level nature reserve in China in 2004 and is often called “the lung of Lhasa”. It serves as a vital recreational area for urban residents. Concerns have arisen about the potential harm to human health due to heavy metals (HMs) in the wetland soil. This study assessed the ecological risk of HMs in Lalu wetland soil by using the potential ecological risk index and geo-accumulation index techniques. The findings showed that the Lalu wetland’s overall risk level is low risk. with Cd being the primary pollutant. Through the absolute principal component scores–multiple linear regression (APCS-MLR) model and Pearson correlation analysis, three sources of HMs were identified, including traffic sources, soil parent material sources, and geothermal sources, contributing 51.13%, 32.35%, and 16.52%, respectively. The results of the probabilistic health risk assessment based on Monte Carlo simulation indicate that non-carcinogenic risks are absent for both adults and children. However, acceptable carcinogenic risks are present. For adults, the main exposure mode is through dermal contact, while children are primarily exposed through ingestion. Children manifest a heightened vulnerability to these risks compared to adults, with As being the primary contributing element. The source-oriented health risk assessment (HRA) highlights geothermal sources as the primary contributors to health risks. The research results provide insights into the current status of HMs in Lalu wetland soil, offering a scientific basis for restricting and managing contamination by HMs in wetlands.

The Construction of Ideological and Political Diversified Education Mode in Colleges and Universities Based on Theory of Multiple Intelligences

Abstract This paper firstly constructs the ideological and political diversified education model of colleges and universities from the diversified view of Civic and political education, educational objectives, as well as educational evaluation on the basis of language, logic, space and music of the theory of multiple intelligences. Then, on the basis of multiple linear regression analysis models, the step-by-step regression method is used to obtain the key factors affecting the diversified education of ideology and politics and establish the regression model of education quality. Finally, through the establishment of the quality evaluation index system of the ideological and political diversified education model, the quality of the ideological and political diversified education is analyzed by ANOVA, correlation analysis and stepwise regression analysis, and the nature and effect prediction of the ideological and political diversified education model is explored. The results show that the correlation between the quality of education and diversified education ranges from 0.32 to 0.88 and is significant at the 10% level, the significance of the teachers is less than 0.05, the significance of the content of education is less than 0.05, and the significance of the form of education is less than 0.05. The students’ ideology in all dimensions has been improved by more than 1.3. The educational model based on this study can greatly improve the impact of ideological education.

Analysis Of The Influence Of Consumer Behavior, Product Attributes And Brand Image On Purchasing Decisions Of Pharmaceutical Industry Products Consumers

The purpose of this study is to determine whether consumer attitudes, brand perception, and product characteristics all concurrently have a substantial impact on purchasing decisions. This study employs quantitative descriptive techniques along with a survey methodology. The author employs a variety of data collection techniques, including field research and library research, while gathering data for analysis. Open and closed questionnaires were both used by the researcher in this instance. The multiple linear regression analysis model includes the requirement of testing the analysis requirements. A two-way significant test was applied in this investigation. The t-test results demonstrate that the product attribute variables have a significant and favorable influence on the dependent variable (buying decisions), based on the findings of the partial multiple regression test. The dependent variable (buying decision) is significantly and favorably influenced by the brand image variable. The dependent variable (buying decisions) is significantly and favorably influenced by the customer attitude variable. Based on the outcomes of the simultaneous multiple regression test, the F-test results reveal that the three independent variables, namely the product attributes, brand image, and consumer attitude, significantly influence the purchasing decision variable with a significant value of 0.000 and an f-count > f-table value.

Freezing of gait in Parkinson’s disease with glucocerebrosidase mutations: prevalence, clinical correlates and effect on quality of life

ObjectivesMutations in glucocerebrosidase (GBA1) can change the clinical phenotype of Parkinson’s disease (PD). This study aimed to explore the clinical characteristics of freezing of gait (FOG) in PD patients with GBA1 mutations.MethodsA whole-exome sequencing analysis was used to identify the GBA1 mutations (pathogenic or likely pathogenic) and exclude other PD-related gene mutations. A forward binary logistic regression model was conducted to identify the associated factors of FOG. The stepwise multiple linear regression analysis models were used to explore the effect of FOG on quality of life.ResultsThe prevalence of FOG in patients with GBA1 mutations (30/95, 31.6%) was significantly higher than those in patients without GBA1 mutations (152/760, 20%) (p = 0.009). A higher (i.e., worse) Unified PD Rating Scale part III score (OR = 1.126, 95%CI = 1.061–1.194, p < 0.001) and a lower (i.e., worse) Montreal Cognitive Assessment score (OR = 0.830, 95%CI = 0.713–0.967, p = 0.017) were significantly associated with FOG in PD patients with GBA1 mutations. The presence of FOG was significantly associated with the decreased (i.e., worse) score of PD Questionnaire 39 after adjustment for sex, age, disease duration, motor score, and non-motor score (B = 14.981, p = 0.001).ConclusionFOG is a relatively common disabling symptom in PD patients with GBA1 mutations, which is affected by motor disability and cognitive decline. Quality of life is reduced in patients with FOG and GBA1 mutations.

PENGARUH MODAL INTELEKTUAL, LEVERAGE DAN KAPASITAS OPERASI TERHADAP PROFITABILITAS

Profitability is very important for the company for its survival. The purpose of this study is to determine determinants such as intellectual capital, leverage, and operating capacity on the profitability of consumer goods sector companies listed on the Indonesia Stock Exchange in 2018-2022. This type of research is causality and the research method uses quantitative methods obtained from secondary data. The statistical tool in this research uses STATA. The sampling technique used purposive sampling and obtained as many as 51 companies that met the criteria from a total population of 22 companies with a research period of 5 years, so that 110 sample data were obtained. This study utilizes a multiple linear regression analysis model. The results of the study show that intellectual capital, leverage, and operating capacity simultaneously affect profitability. Empirically, the role of intellectual capital, leverage and operating capacity in increasing the profitability of companies in the consumer goods subsector. Studies on the consumer goods sub-sector show that intellectual capital has a positive effect on profitability, leverage has a positive impact on profitability and operating capacity has a positive effect on profitability.

The impact of the concept of “tailor-made teaching” on the cultivation of higher vocational art and design professionals in the era of artificial intelligence

Abstract This paper first studied the education concept of tailor-made teaching, explored the influence of tailor-made teaching on the cultivation of professional ability, and constructed the talent cultivation model of art majors based on tailor-made teaching. Then, we constructed the influencing factor analysis model, extracted the relevant principal components, calculated the Spearman correlation coefficient, established the multiple linear regression analysis model, estimated the model parameters, and tested the model. Finally, we analyzed the influence of the concept of tailor-made teaching on talent cultivation mode, cultivation effect and cultivation evaluation, and carried out correlation analysis, regression analysis and mediation effect test on the influencing factors. The results show that the mean value of the evaluation of the education model of “tailor-made education” ranges from 3.78 to 4.35, which is at a relatively satisfactory level. The sig value of the relationship between “teaching according to student’s abilities” and the quality of talent training is 0.000, indicating that “teaching according to student’s abilities” has a significant positive effect on the quality of talent training.

PENGARUH MODAL INTELEKTUAL, DANA PIHAK KETIGA, DAN NON PERFORMING LOAN TERHADAP PROFITABILITAS

Profitability is very important for the company for its survival. The purpose of this study was to determine the effect of intellectual capital, third party funds, and non-performing loans on the profitability of banking sector companies listed on the Indonesia Stock Exchange in 2018-2022. The implementation of this research uses a causality associative research design with secondary data types. The sampling technique used purposive sampling and obtained as many as 23 companies that meet the criteria that generate profits and have intellectual capital data from a total population of 55 companies with a research period of 115 years, so that 115 sample data were obtained. This study utilizes a multiple linear regression analysis model. The results showed that intellectual capital has a positive effect on profitability as measured using the value added intellectual coefficient (VAIC), third party funds have a positive effect on profitability by adding up demand deposits, savings and deposits. Then non-performing loans have a negative effect on profitability. Future researchers are expected to consider or add other variables that can affect profitability, such as sales growth, leverage, dividend policy, inflation rates and interest rates on different research objects. Factors from intellectual capital, third party funds, and non-performing loans can be used as the main reference for companies in an effort to increase their profitability.