Meira Zaskya Dwi Gustania Sasmita, . (2025) PENGARUH LEVERAGE, LIKUIDITAS, DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS PADA BANK BUMN TAHUN 2015-2024. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Banking plays a crucial role in the economy through its intermediation function, making profitability a key indicator of financial performance. This study aims to examine the effects of leverage, liquidity, and Net Interest Margin (NIM) on the profitability of State-Owned Commercial Banks (SOCBs) in Indonesia during the 2015–2024 period. Profitability is measured using Return on Assets (ROA), while leverage and liquidity are proxied by the Debt to Equity Ratio (DER) and Loan to Deposit Ratio (LDR), respectively. Panel data regression with the Estimated Generalized Least Squares (EGLS) approach is employed to address heteroskedasticity in the initial model. The data are obtained from the annual financial statements of SOCBs. The results indicate that DER has a negative and significant effect on ROA, LDR has no significant effect, whereas NIM has a positive and significant effect and is the most dominant factor influencing profitability. These findings highlight the importance of effective net interest income management in improving the profitability of state-owned banks.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [NO.Panggil: 2210111018] [Pembimbing: Kery Utami] [Penguji 1: Ardhiani Fadila] [Penguji 2: Kevin Naufal Widyadhana |
| Uncontrolled Keywords: | Leverage, Liquidity, Net Interest Margin, Profitability, EGLS. |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor > HD61 Risk Management H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Manajemen (S1) |
| Depositing User: | MEIRA ZASKYA DWI GUSTANIA SASMITA |
| Date Deposited: | 09 Apr 2026 07:36 |
| Last Modified: | 06 Aug 2026 06:47 |
| URI: | http://repository.upnvj.ac.id/id/eprint/41436 |
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