Faktor-Faktor Yang Mempengaruhi Profitabilitas Pada Sektor Perbankan Yang Terdaftar Di BEI

Rahmadina Ardelia; Susy Muchtar

doi:10.32534/jpk.v9i4.3388

Authors

Rahmadina Ardelia Fakultas Ekonomi dan Bisnis, Universitas Trisakti
Susy Muchtar Fakultas Ekonomi dan Bisnis, Universitas Trisakti

DOI:

https://doi.org/10.32534/jpk.v9i4.3388

Abstract

Profitabilitas bank mampu membantu bank dalam melihat kinerjanya dalam periode tertentu. ROA bank sempat meningkat meskipun terjadi pandemi covid-19. Diketahui peningkatan ini memperlihatkan kinerja bank yang cukup baik. Tujuan dari dilakukan penelitian ini untuk menganalisis faktor-faktor yang mempengaruhi profitabilitas perbankan. Variabel yang digunakan yaitu ukuran bank, efisiensi operasional, likuiditas, CAR, dan GDP dengan variabel dependen profitabilitas meliputi ROA dan NIM. Sampel sebanyak 39 bank yang tercatat di Bursa Efek Indonesia periode 2017-2021 menggunakan teknik analisis regresi data panel. Kebaruan dilakukannya penelitian ini memasukkan variabel NIM. Penelitian memperlihatkan hasil dimana ukuran bank dan GDP berpengaruh positif dan signifikan terhadap ROA dan NIM. Sementara CAR berpengaruh signifikan dan negatif terhadap NIM. Namun, tidak terdapat pengaruh dari CAR dan likuiditas terhadap ROA.

Keywords:

CAR, GDP, Likuiditas, Profitabilitas

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