Pengaruh Non Performing Loan (Npl) Dan Loan to Deposit Ratio (Ldr) Terhadap Profitabilitas Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia (Bei)

Effect of Loan To Deposit Ratio (LDR), Inflation, Intellectual Capital and Net Profit Margin (NPM) to Profitability in Conventional Banks Listed in Indonesia Stock Exchange during 2014-2018

“…This is evidenced by the significant value of 0.0163 less than 0.005 (0.0163 <0.05) H0 is rejected. These results are consistent with results of previous studies found that LDR has a positive effect on profitability, which means increasing the value of LDR will affect the profitability of the banks so that investors can make a decision to invest or not, the higher level of long-term loans of a bank, the higher the level of profitability of bank because if a bank loan the higher the interest earned is also getting bigger bank, this research was supported by (Octaviani and Andriyani, 2018) and (Agustiningrum, 2012). This study is not in line with (Wahyuningsih and Gunawan, 2017) which prove that the LDR is not able to give effect to profitability.…”

Factors That Affect Profitability at the Conventional Bank of Indonesia

“…The use of the LDR can be taken into consideration in determining investment strategies. These findings are in line with research from (Agustiningrum, 2013) and (Octaviani and Andriyani, 2018), which states that increasing LDR value will affect the level of profitability of conventional banks so that investors can make decisions to invest or not, the higher the long-term loan rate of a bank, the higher the level of profitability of a bank because if a bank's loan is higher, the interest that the bank will get will also be higher. However, this study is not in line with the research of (Wahyuningsih and Gunawan, 2017) and (Oktaviani et al, 2019), which states that LDR does not affect profitability.…”

“…This study refers to (Octaviani and Andriyani's, 2018) research, (Wahyuningsih and Gunawan, 2017), related to LDR on profitability. Then research (Sahara, 2013) and (Wibowo et al, 2013), as well as (Mufidhoh and Andriyanto, 2017) and (Ayerza, 2018), study interest rates and inflation on profitability.…”

Pengaruh Non Performing Loan Dan Loan to Deposit Ratio Terhadap Return on Assets Pada Bank Bumn Periode 2009-2019

“…Pada tahun 2019, profitabilitas yang diukur menggunakan ROA mengalami penurunan yang tajam akibatnya kinerja Bank BUMN mengalami penyusutan. Menurut (Peraturan Bank Indonesia, 2017), jika nilai ROA melebihi 1,5% maka dapat (Oktaviani & Andriyani, 2018). Menurut (IBI, 2018:309) NPL adalah kredit bermasalah terdiri dari kredit yang tergolong dalam kategori likuiditas rendah, kredit yang diragukan dan kredit macet.…”