Faktor-Faktor yang Mempengaruhi Pertumbuhan Laba pada Perusahaan Perbankan
DOI:
https://doi.org/10.35870/jemsi.v11i6.5103Keywords:
Profit Growth, CAR, NPL, LDRAbstract
This study focuses on providing the impact of CAR, NPL, and LDR on profit growth in conventional banks registered with the OJK during the 2021-2023 period. The background of this study is to maintain and strengthen profit growth as the main indicator of bank financial performance. This study uses a quantitative method. Secondary data is obtained from the annual financial reports of 31 banks selected using sampling techniques. Data analysis is carried out with panel data regression using the FEM model according to the Chow and Hausman test. The results of this study show that CAR has a negative but insignificant impact on profit growth with a coefficient of -0.006021 and a probability value of 0.2773, NPL has a significant negative effect with a coefficient of -0.376727 and a probability value of 0.0148, while LDR does not. provide. an effect. significant with a coefficient of -0.001262 and a probability value of 0.6269. The value of the coefficient of determination (R²) of 0.62 indicates that this model can explain 62% of profit growth. The F test shows that the independent variables have a significant influence simultaneously on profit growth, while the t test shows that only NPL has a significant influence partially. This finding is in line with the signaling theory which states that finance can be used as a signal for investors in assessing the company's prospects. This research is expected to provide practical impacts for banks and authorities in policies that support the profitability and stability of the banking sector.
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