Pengaruh Likuiditas, Kualitas Aset, Sensitivitas Pasar dan Efisiensi terhadap Profitabilitas pada Bank Umum Swasta Nasional Non Devisa
Daftar Isi:
- The profit growth of a Bank must increase every year, but in this research there are several Banks that have a decrease in profit. This study aims to determine what affects the decline in profits at the Non-Foreign Exchange Commercial Banks in the period of the first quarter of 2015 to the second quarter of 2020 by using the independent variables LDR, LAR, IPR, NPL, APB, IRR, BOPO, FBIR and variables bound ROA. Samples were obtained using purposive sampling technique at 23 Non-Foreign Exchange Commercial Banks. The data analysis used in this study is multiple linear regression analysis with data collection techniques, namely documentation. Data taken from published financial reports at the Financial Services Authority. The results of the research LDR,LAR,IPR,NPL,APB,IRR,BOPO, and FBIR simultaneously has a significant influence toward ROA. Then, based on t test LAR,FBIR partially have a significant positive effect on ROA. BOPO partially has a significant negative effect on ROA. NPL partially had a positive and insignificant effect on ROA. LDR,APB and IRR partially have a negative and insignificant effect on ROA. Based on the results of this study, the result can be used for Banks to create a better strategy in the future and strategy of bank income and to continue operating optimally.