Wibowo, Kresna Wahyu (2023) Pengaruh Likuiditas, Kualitas Aktiva, Sensitivitas, Efisiensi, Dan Profitabilitas Terhadap Permodalan Pada Busn Devisa. Undergraduate thesis, Universitas Hayam Wuruk Perbanas Surabaya.
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Abstract
The purpose of this study was to analyze the effect of liquidity, asset quality, sensitivity and efficiency on profitability as measured using CAR Liquidity is measured using the Loan to Deposits Ratio (LDR), Loan Asset Ratio (LAR) and investment policy ratio (IPR) Quality assets are measured by the ratio of Non-Performing Loans (NPL) and Non-Performing Earning Assets (APB). Sensitivity is measured using the interest risk ratio (IRR) and Net Open Position (NOP). Efficiency is measured by Operational Cost Operating Income (BOPO) and Fee Based Income Ratio (FBIR). The profitability aspect is measured using Return On Assets (ROA). The sample used in this study is Foreign Exchange National Private Commercial Banks (BUSN) with the period from quarter 1, 2018 to quarter IV, 2022. The variables used in this study are LDR, LAR, IPR, NPLs, APBs. IRR, PDN, BOPO, FBIR and ROA. The analysis technique used is multiple linear regression analysis using SPSS. The conclusion in this study is LDR. LAR, IPR NPL, APB, IRR, PDN, BOPO, FBIR and ROA simultaneously have a significant effect on ROA. The LDR ratio partially has no significant negative effect on ROA. IPR, APB, and BOPO ratios partially have a significant negative effect on ROA NPL ratios partially have a significant positive effect on ROA. The ratio of IRR and FBIR partially has no significant positive effect on ROA. LDR partially has a positive but not significant effect on CAR. LAR partially has an insignificant negative effect on CAR. IPR partially has a significant negative effect on CAR. NPL partially has a significant negative effect on CAR. APB partially has a significant positive effect on CAR. IRR partially has no significant negative effect on CAR. PDN partially has a significant negative effect on CAR. BOPO partially has no significant positive effect on CAR. FBIR partially has an insignificant positive effect on CAR. ROA partially has a positive but not significant effect on CAR. Keywords: Liquidity, Asset Quality, Sensitivity, Efficiency, Profitability, CAR
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 330 - ECONOMICS |
| Divisions: | Bachelor of Management |
| Depositing User: | KRESNA WAHYU WIBOWO |
| Date Deposited: | 28 Dec 2023 08:20 |
| Last Modified: | 28 Dec 2023 08:20 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/11730 |
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