PENGARUH VARIABEL INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS BANK KBMI 1 PERIODE 2020-2024

Nur Ayu Fatacharini, . (2025) PENGARUH VARIABEL INTERNAL DAN EKSTERNAL TERHADAP PROFITABILITAS BANK KBMI 1 PERIODE 2020-2024. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

Profitability is a key measure of performance for KBMI 1 banks with limited capital and higher vulnerability. This study was carried out to examine the influence of credit risk, capital adequacy, interest rates, and GDP growth on the profitability of KBMI 1 banks. The research focused on KBMI 1 banks during the 2020–2024 period. Based on the criteria, 61 banks qualified to be used as research samples. The analysis was performed using panel data regression processed with the EViews 13 software at a 5 percent significance level. Based on the test results, this study found that (1) credit risk measured by the non-performing loan/financing ratio, has a negative effect on profitability, (2) capital adequacy, measured by the capital adequacy ratio, has no effect on profitability, (3) interest rates, measured by the BI-Rate, have a positive effect on profitability, (4) GDP growth has a negative effect on profitability.

Item Type: Thesis (Skripsi)
Additional Information: [No. Panggil: 2210111251] [Pembimbing: Siti Hidayati] [Penguji 1: Tri Siswantini] [Ketua Penguji: Sri Mulyantini]
Uncontrolled Keywords: Profitability, Credit Risk, Capital Adequacy, Interest Rates, GDP Growth
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: Fakultas Ekonomi dan Bisnis > Program Studi Manajemen (S1)
Depositing User: NUR AYU FATACHARINI
Date Deposited: 08 Apr 2026 04:56
Last Modified: 08 Apr 2026 04:56
URI: http://repository.upnvj.ac.id/id/eprint/41055

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