ANALISIS PENGARUH RISK PROFILE, CAR DAN BOPO TERHADAP PROFITABILITAS (STUDI PADA BANK YANG TERDAFTAR DI BEI TAHUN 2021)

Abstract

The choice of banking companies as the object of research is due to the increasingly active development of the banking industry starting to dominate the development of a country's business economy. The role of the banking industry is a benchmark for progress in supporting a country's economy. Bank Indonesia stated that the better the role of the banking industry, the better the economic conditions in the country concerned. Banking as a financial intermediary and financial system has a very strategic role in maintaining economic stability both during economic turmoil and after the crisis occurred. This research is a type of quantitative research. This research is cross-sectional in nature, the test is based on existing data at a certain point in time. So this research needs to be careful in its processing. The results of this study are that the Non Performing Loan (NPL) variable has a negative direction but does not have a significant effect on ROA, the Loan to Deposite Ratio (LDR) variable has a positive direction but does not have a significant effect on ROA, the Capital Adequacy Ratio (CAR) variable has a negative direction. which is positive and has a significant effect on ROA, the variable Operating Costs on Operating Income has a negative direction and has a significant effect on ROA.