Analisis Kredit Macet, Kecukupan Modal, Biaya Operasional Pendapatan Operasional Terhadap Laba Bersih Sektor Perbankan Yang Terdaftar Di Bei Periode 2016 - 2020

Tia Septiani; Yeni Oktaviani

Tia Septiani Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta
Yeni Oktaviani Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Keywords: Laba Bersih, Biaya Operasional, Rasio Kecukupan Modal, Kredit Macet

Abstract

This study aims to examine the effect of Bad Credit, Capital Adequacy, Operational Costs of Operating Income on Net Profit with a quantitative approach to 12 banking companies listed on the Indonesia Stock Exchange (IDX) for the 2016-202020 period. The sampling method used purposive sampling with predetermined criteria. The data analysis method used was panel data regression analysis with the help of the EViews 9 application. The results showed that NPL had a significant positive effect on net income with tcount of 2.163581 > 2.00324 ttable, with a probability value of 0.0358 <0.05. The CAR variable has no significant positive effect on Net Profit with the results of tcount 1.773769 <2.00324 ttable, with a probability value of 0.0829 >0.05. The BOPO variable has a significant positive effect on Net Profit with the results of tcount of 2.576653 >2.00324 ttable, with a probability value of 0.0133 <0.05. Simultaneously NPL, CAR, BOPO simultaneously have a significant effect on Net Profit.

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