Teks

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

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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.

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Ketersediaan

Informasi Detail

Judul Seri

Jurnal Internasional Akuntansi

No. Panggil

657 PER p

Penerbit

Bogor : Universitas Binaniaga Indonesia Fakultas Ekonomi Dan Bisnis., 2025

Deskripsi Fisik

15 hal., il

Bahasa

Inggris

ISBN/ISSN

-

Klasifikasi

657 PER p

Tipe Isi

-

Tipe Media

-

Tipe Pembawa

-

Edisi

-

Subjek

Jurnal INternasional Akuntansi

Info Detail Spesifik

-

Pernyataan Tanggungjawab

PERTIWI, Mita

Versi lain/terkait

Lampiran Berkas

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