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All Journal Journal of Economic, Bussines and Accounting (COSTING) Management Studies and Entrepreneurship Journal (MSEJ)
Dina Fadhilah
Universitas Stikubank Semarang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analisis Pengaruh Rasio Keuangan Terhadap Profitabilitas Pada Bank Devisa Yang Terdaftar Di BEI Periode 2017-2022 Dina Fadhilah; Gregorius N. Masdjojo
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 5 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i5.2775

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Net Interest Margin (NIM), Operating Costs on Operating Income (BOPO), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) terhadap Profitabilitas yang diproksi dengan Return on Asset (ROA). Riset ini menggunakan data-data yang bersumber dari perusahaan bank Devisa yang terdaftar di Bursa Efek Indonesia (BEI) dimulai dari tahun 2017-2022 dan laporan rasio keuangan yang diperoleh dari Otoritas Jasa Keuangan (OJK). Total perusahaan bank Devisa yang terdaftar di BEI 32 perusahaan dan yang masuk kriteria uji sebesar 12 perusahaan. Jumlah data panel 288 berasal data triwulan selama 6 tahun untuk 12 Bank Devisa. Hasil analisis regresi data panel dengan bantuan software E-Views menunjukkan pilihan estimasi terbaik adalah Fixed Effect Model (FEM). Berdasarkan ouput FEM ditemukan bahwa variabel NIM berpengaruh positif dan signifikan terhadap Profitabilitas (ROA). Variabel BOPO berpengaruh negatif dan signifikan terhadap Profitabilitas (ROA). Dan NPL berpengaruh negatif dan signifikan terhadap Profitabilitas (ROA). Variabel LDR tidak berpengaruh terhadap Profitabilitas (ROA). Koefisien determinasi dari model FEM ini adalah 95 %.
Analisis Pengaruh Rasio Keuangan Terhadap Profitabilitas Pada Bank Devisa Yang Terdaftar Di BEI Periode 2017-2022 Dina Fadhilah; Gregorius N. Masdjojo
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 1 (2023): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i1.6940

Abstract

The purpose of this study is to determine the effect of Net Interest Margin (NIM), Operating Costs on Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) on Profitability as proxied by Return on Assets (ROA). This research uses data sourced from foreign exchange bank companies listed on the Indonesia Stock Exchange (IDX) starting from 2017-2022 and financial ratio reports obtained from the Financial Services Authority (OJK). The total number of foreign exchange bank companies listed on the IDX is 32 companies and those that enter the test criteria are 12 companies. The total panel data of 288 comes from 6 years of quarterly data for 12 Foreign Exchange Banks. The results of panel data regression analysis with the help of E-Views software show that the best estimation choice is Fixed Effect Model (FEM). Based on FEM output, it was found that the NIM variable had a positive and significant effect on Profitability (ROA). BOPO variables have a negative and significant effect on Profitability (ROA). And NPL has a negative and significant effect on Profitability (ROA). The LDR variable has no effect on Profitability (ROA). The coefficient of determination of this FEM model is 95%. Keywords: NIM, BOPO, LDR, NPL, Profitability, FEM
Co-Authors Gregorius Masdjojo