Putri, Sabrina Aprilia (2026) Pengaruh Rasio Likuiditas, Kualitas Aset, Sensitivitas Pasar Efisiensi Terhadap Profitabilitas Pada Bank Umum Berdasarkan Modal Inti (KBMI) Tiga Dan Empat. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
A bank is a financial institution that accept deposits and provides loan to the public, thus acting as a financial intermediary. In carrying out this role, public trust is essential. Such trust must be supported by strong financial performance. Therefore, this study aims to examine the effect of financial ratis, including liquidity, asset quality, market sensitivity, and efficiency on profitability. The subjects of this study are banks classified under Core Capital Groups Three and Four. The sampling technique used was purposive sampling, resulting in six sample banks from both groups. The study period covers the first quarter of 2020 to the fourth quarter of 2024. The data were analyzed using panel data technique processed with Eviews 12. The results of this study revealed that Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), Non-Performing Loan (NPL), Interest Rate Ratio (IRR), Posisi Devisa Neto (PDN), Operational Efficiency Ratio (OER) and Fee Based Income (FBIR) simultaneously have a significant on Return on Asset (ROA). LDR, NPL, and FBIR partially have positive coefficients but not significant on ROA. LAR, IRR, and PDN have negative coefficients and not significant on ROA. OER partially has a negative coefficient and significant on ROA. BOPO has contribution of 77.40 percents on ROA.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Bachelor of Management |
| Depositing User: | SABRINA APRILIA PUTRI |
| Date Deposited: | 09 Apr 2026 15:21 |
| Last Modified: | 09 Apr 2026 15:21 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13996 |
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