Pengaruh pendapatan non bunga terhadap profitabilitas perusahaan perbankan yang terdaftar di bursa efek indonesia.
P enelitian ini bertujuan untuk melihat pengaruh pendapatan non bunga dan faktor internal bank terhadap profitabilitas bank. Yang menjadi variabel independen adalah non-interest income, capital adequacy ratio, loan loss provision ratio, overheads to income ratio, dan size. Profitabilitas bank sebagai variabal dependen menggunakan return on asset sebagai alat ukur. Teknik pengambilan sampel yang digunakan adalah purposive sampling dengan jumlah sampel 37 bank konvensional yang terdaftar di Bursa Efek Indonesia periode 2019-2023. Metode analisis yang digunakan adalah regresi data panel dan diolah menggunakan software Eviews 9.0. Hasil penelitian ini menunjukkan non-interest income, loan loss provision dan size berpengaruh sedangkan capital adequacy ratio dan overheads to income ratio tidak berpengaruh terhadap profitabilitas bank. Hasil penelitian ini diharapkan dapat menjadi masukkan bagi bank konvensional dalam meningkatkan profitabilitas dengan mengembangkan pendapatan non bunga, meminimalisir cadangan kerugian dan risiko kredit, serta meningkatkan aset produktif. Bagi investor diharapkan dapat menjadi bahan pertimbangan sebelum berinvestasi pada bank.
T his study aims to see the effect of non-interest income and internal bank factors on bank profitability. The independent variables are non-interest income, capital adequacy ratio, loan loss provision ratio, overheads to income ratio, and size. Bank profitability as the dependent variable uses return on assets as a measuring tool. The sampling technique used was purposive sampling with a total sample of 37 conventional banks listed on the Indonesia Stock Exchange for the 2019-2023 period. The analysis method used is panel data regression and processed using Eviews 9.0 software. The results of this study indicate that non-interest income, loan loss provision and size have an effect while the capital adequacy ratio and overheads to income ratio have no effect on bank profitability. The results of this study are expected to be input for conventional banks in increasing profitability by developing non-interest income, minimizing loss reserves and credit risk, and increasing productive assets. For investors, it is expected to be taken into consideration before investing in banks.