| dc.contributor |
Fakultas Ekonomi dan Bisnis |
|
| dc.creator |
Ayu, Diana Vevih Omnia |
|
| dc.creator |
Handri, Handri |
|
| dc.creator |
Azib, Azib |
|
| dc.date |
2021-02-02 |
|
| dc.date.accessioned |
2021-03-15T04:09:24Z |
|
| dc.date.available |
2021-03-15T04:09:24Z |
|
| dc.identifier |
http://karyailmiah.unisba.ac.id/index.php/manajemen/article/view/27060 |
|
| dc.identifier |
10.29313/.v7i1.27060 |
|
| dc.identifier.uri |
http://hdl.handle.net/123456789/29657 |
|
| dc.description |
Abstract— The purpose of this study was to analyze the effect of Digital Banking as measured by internet banking, Credit Risk as measured by NPL, Capital Aspects as measured by CAR, and Liquidity Risk as measured by LDR on Profitability as measured by ROA on the capitalization of Conventional Commercial Banks listed in Indonesia Stock Exchange 2015-2019. The study population consisted of 45 banks. Purposive sampling is a sampling technique for this study. After screening the sample according to the sample criteria, a sample of 6 banks was obtained. The data analysis technique used is multiple linear regression analysis using the SPSS 25.0 application. The results of this study indicate partially that Internet Banking has no significant effect on ROA, NPL and LDR has a negative and significant effect on ROA, CAR has a significant positive effect on ROA. Meanwhile, simultaneously Internet Banking, Credit Risk, Capital Aspects and Liquidity Risk have a significant effect of 85.6% on Profitability.Keyword : internet banking, NPL, CAR, LDR, ROA.Abstrak— Tujuan penelitian ini adalah menganalisis pengaruh Digital Banking yang diukur dengan internet banking, Risiko Kredit yang diukur dengan NPL, Aspek Permodalan yang diukur dengan CAR, dan Risiko Likuiditas yang diukur dengan LDR terhadap Profitabilitas yang diukur dengan ROA pada kapitalisasi Bank Umum Konvensional yang Listing di Bursa Efek Indonesia tahun 2015-2019. Populasi penelitian ini terdiri dari 45 bank. Purposive sampling merupakan teknik pengambilan sampel penelitian ini. Setelah dilakukan screening sampel sesuai kriteria sampel, diperoleh sampel sejumlah 6 bank. Teknik analisis data yang digunakan adalah analisis regresi linier berganda dengan menggunakan aplikasi SPSS 25.0. Hasil penelitian ini menunjukkan secara parsial bahwa Internet Banking tidak berpengaruh secara signifikan terhadap ROA, NPL dan LDR berpengaruh negatif dan signifikan terhadap ROA, CAR berpengaruh signifikan positif terhadap ROA. Sedangkan secara simultan Internet Banking, Risiko Kredit, Aspek Permodalan dan Risiko Likuiditas berpengaruh signifikan sebesar 85,6% terhadap Profitabilitas.Kata Kunci: internet banking, NPL, CAR, LDR, ROA. |
|
| dc.language |
id |
|
| dc.publisher |
Universitas Islam Bandung |
|
| dc.rights |
Copyright (c) 2021 Prosiding Manajemen |
|
| dc.source |
Prosiding Manajemen; Vol 7, No 1, Prosiding Manajemen (Februari, 2021); 181-186 |
|
| dc.source |
Prosiding Manajemen; Vol 7, No 1, Prosiding Manajemen (Februari, 2021); 181-186 |
|
| dc.source |
2460-6545 |
|
| dc.source |
10.29313/.v7i1 |
|
| dc.subject |
Manajemen |
|
| dc.subject |
internet banking, NPL, CAR, LDR, ROA |
|
| dc.title |
Pengaruh Digital Banking, Risiko Kredit, Aspek Permodalan dan Risiko Likuiditas terhadap Profitabilitas (Studi Kasus pada Kapitalisasi Bank Umum Konvensional yang Listing di Bursa Efek Indonesia Tahun 2015-2019) |
|
| dc.type |
info:eu-repo/semantics/article |
|
| dc.type |
info:eu-repo/semantics/publishedVersion |
|
| dc.type |
Peer-reviewed Article |
|
| dc.type |
Kuantitatif |
|