ANALISIS FAKTOR MIKRO EKONOMI YANG MEMPENGARUHI PROFITABILITAS PERBANKAN (Studi Pada Bank Go Public Yang Listed Di Bursa Efek Indonesia Periode 2018-2021)

Abstrak

This study aims to determine the effect of CAR, NPL, and NIM on the ROA of
banking companies listed on the Indonesia Stock Exchange in 2018-2021 either
partially or simultaneously. The hypothesis in this study is that CAR, NPL, and NIM
affect the ROA of banking companies listed on the Indonesia Stock Exchange in
2018-2021 either partially or simultaneously. This research is a survey research
with quantitative research type. The data used in this study uses secondary data
from the financial statements of banking companies on the IDX for the period 2018-
2021. The research population is all banking companies listed on the IDX for the
2018-2021 period as many as 43 companies with a total sample of 114 data. The
analysis technique used is multiple linear regression test, t test, F test, and
coefficient of determination test. The results of the study conclude that the Capital
adequacy ratio (CAR) has no effect on profitability as seen from the return on assets
(ROA) in banking companies. Non-performing loans (NPL) have a significant
negative effect on profitability as seen from the return on assets (ROA) of the
company. banking. Net interest margin (NIM) has an effect on profitability as seen
from the return on assets (ROA) in banking companies.