Pengaruh kolektibilitas, likuiditas, dan dana pihak ketiga terhadap profitabilitas dengan pestrukturisasi kredit sebagai variabel moderasi di sektor perbankan
P enelitian ini bertujuan untuk mengetahui pengaruh kolektibilitas, likuiditas, dandana pihak ketiga terhadap profitabilitas dengan restrukturisasi kredit sebagaivariabel moderasi disektor pebankan. Pengumpulan data dilakukan denganpengambilan data sekunder berupa laporan keuangan triwulanan dari tahun 2019 –2021 dimana laporan keuangan diolah menggunakan eviews 9. Metode analisisyang digunakan merupakan analisis deskriptif. Analisis data meliputi uji asumsiklasik, analisis regresi, serta pengujian hipotesis uji f dan uji t. Hasil penelitian inimenunjukan bahwa (1) Kolektibilitas secara parsial berpengaruh negatif dansignifikan terhadap Profitabilitas Bank. (2) Likuiditas secara parsial berpengaruhpositif dan signifikan terhadap Profitabilitas Bank. (3) Dana Pihak Ketiga secaraparsial terbukti berpengaruh positif. (4) Restrukturisasi Kredit memperlemahpengaruh negatif Kolektibilitas terhadap Profitabilitas Bank. (5) RestrukturisasiKredit memperlemah pengaruh positif Likuiditas terhadap Profitabilitas Bank. (6)Restrukturisasi Kredit memperlemah pengaruh positif Dana Pihak Ketiga terhadapProfitabilitas Bank.
T his study aims to determine the effect of collectibility, liquidity, and third-partyfunds on profitability by restructuring credit as a moderation variable in thelending sector. Data collection is carried out by taking secondary data in the formof quarterly financial statements from 2019 – 2021 where financial statements areprocessed using eviews 9. The analysis method used is a descriptive analysis. Dataanalysis includes classical assumption testing, regression analysis, as well as f testhypothesis testing and t test. The results of this study show that (1) Collectibilitypartially negatively and significantly affects the Bank's Profitability. (2) Liquidityhas a partial positive and significant effect on bank profitability. (3) Third PartyFunds have partially proven to have a positive effect. (4) Credit Restructuringweakens the negative influence of Collectibility on Bank Profitability. (5) CreditRestructuring weakens the positive effect of Liquidity on Bank Profitability. (6)Credit Restructuring weakens the positive influence of Third Party Funds on BankProfitability.