Natalia, Tosi (2022) SKRIPSI: Analisis Pengaruh Suku Bunga Acuan, Inflasi, Risiko Kredit, LDR, dan CAR terhadap Profitabilitas Bank BUMN di Indonesia Tahun 2017-2021. Masters thesis, STIM YKPN Yogyakarta.
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Abstract
Banking is one sector of the financial industry that has important role in economic development. The Covid-19 pandemic has harmed bank profits with various factors such as increased inflation, benchmark interest rates, and baad loans. This study aims to determine the effect of the benchmark interest rate, inflation, credit risk, Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR) on the profitability of state-owned banks in Indonesia 2017-2021. The population used in this study is state-owned banks in Indonesia with a sample of 4 state-owned banks with purposive sampling. Analysis of the data in this study using the Eviews 12 program by testing the basic assumptions of normality, classical assumptions test, model selection estimation test, multiple linear regression test, and hypothesis testing. The results showed that credit risk has a negative and significant effect on profitability, and the Capital Adequacy Ratio (CAR) has a positive and significant effect on profitability. Meanwhile the reference interest rate has a positive and insignificant effect on profitability, and inflation and the Loan to Deposit Ratio (LDR) has a negative and insignificant effect on profitability.
| Item Type: | Thesis (Masters) |
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| Uncontrolled Keywords: | benchmark interest rate, inflation, credit risk, Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR). |
| Subjects: | H Social Sciences > HC1 Economic Theory H Social Sciences > HG Finance H Social Sciences > HJ Public Finance |
| Divisions: | STIM YKPN Yogyakarta > Manajemen |
| Depositing User: | Subhan Harish Munawar |
| Date Deposited: | 05 Dec 2022 02:09 |
| Last Modified: | 05 Dec 2022 02:09 |
| URI: | http://repository.stimykpn.ac.id/id/eprint/359 |
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