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Pengaruh Capital Adequacy Ratio, Non Performing Loan, Dan Loan To Deposit Ratio Terhadap Return On Asset Pada Perbankan Digital Di Bursa Efek Indonesia

The era of digital banking 4.0 presents opportunities for banks to innovate in service to
customers. This study aims to analyze the influence of CAR, NPL, and LDR on ROA in digital banks
listed on the Indonesia Stock Exchange (IDX) for the 2021–2024 period. This study uses a quantitative
approach with multiple linear regression method. The sample consisted of 7 digital banks selected
through saturated sampling techniques. The t-test results showed that CAR and NPL had no significant
effect on ROA, whereas LDR had a significant effect on ROA. The F test showed that simultaneously
the three independent variables had a significant effect on ROA. A determination coefficient value (R²)
of 44.6% indicates that ROA can be explained by CAR, NPL, and LDR of 44.6%, while the rest is
influenced by other factors. This research shows that digital banking must pay more attention to the
effectiveness of fund distribution through LDR to improve profitability performance.

Ketersediaan
#
JURNAL (Perpustakaan FEKBIS) 657 PER p
JAK.001.2025
Tersedia namun tidak untuk dipinjamkan - TIDAK DAPAT DIPINJAMKAN
Informasi Detail
Judul Seri
Jurnal Internasional Akuntansi
No. Panggil
657 PER p
Penerbit
Bogor : Universitas Binaniaga Indonesia Fakultas Ekonomi Dan Bisnis.,
Deskripsi Fisik
15 hal., il
Bahasa
Inggris
ISBN/ISSN
-
Klasifikasi
657 PER p
Tipe Isi
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Tipe Media
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Tipe Pembawa
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Edisi
-
Subjek
Jurnal INternasional Akuntansi
Info Detail Spesifik
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Pernyataan Tanggungjawab
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