Pengaruh capital adequacy ratio, loan to deposit ratio, non-performing loan, beban operasional pendapatan operasional dan net interest margin terhadap profitabilitas
P enelitian bertujuan untuk menganalisis dan menguji pengaruh capital adequacy ratio, loan to deposit ratio, non-performing loan, beban operasional pendapatan operasional dan net interest margin terhadap profitabilitas perusahaan perbankan. Penelitian ini menggunakan laporan keuangan dan laporan tahunan perusahaan perbankan yang terdaftar di Bursa Efek Indonesia pada periode 2021 – 2023 untuk mengumpulkan data. Jumlah sampel yang digunakan dalam penelitian sebanyak 34 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia. Metode analisis yang digunakan adalah analisis statistik deskriptif dan analisis regresi linier berganda. Hasil penelitian menunjukkan capital adequacy ratio dan net interest margin berpengaruh positif signifikan terhadap profitabilitas sedangkan non-performing loan dan beban operasional pendapatan operasional berpengaruh negatif signifikan terhadap profitabilitas. Loan to deposit ratio tidak berpengaruh signifikan terhadap profitabilitas. Secara simultan, seluruh variabel independen berpengaruh terhadap variabel dependen.
T he research aims to analyze and test the effect of capital adequacy ratio, loan to deposit ratio, non-performing loan, operating expense operating revenue and net interest margin on the profitability of banking companies. This research uses financial reports and annual reports of banking companies listed on the Indonesia Stock Exchange for the period 2021 – 2023 to collect data. The number of samples used in the research was 34 banking companies listed on the Indonesia Stock Exchange. The analytical method used is descriptive statistical analysis and multiple linear regression analysis. The research results show that the capital adequacy ratio and net interest margin have a significant positive effect on profitability, while non-performing loan and operating expense operating revenue have a significant negative effect on profitability. Loan to deposit ratio has no significant effect on profitability. Simultaneously, all independent variables influence the dependent variable.