scholarly journals Pengaruh Interest Rate Risk Ratio Dan Capital Adequacy Ratio Terhadap Pertumbuhan Laba Pada Perbankan Di Bursa Efek Indonesia

2021 ◽  
Vol 4 (2) ◽  
pp. 114-126
Author(s):  
Ayu Khofifah ◽  
◽  
Rizqy Fadhlina Putri ◽  
Keyword(s):  
Capital Expenditure ◽  
Regression Line ◽  
Interest Rate Risk ◽  
Capital Adequacy ◽  
Capital Expenditures ◽  
Significance Level ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
North Sumatra ◽  
Expenditure Allocation

This study aims to determine the effect of regional original income, balancing funds, of capital expenditures in districts/cities of North Sumatra province. This research method uses descriptive and quantitative data. The sample of this research is the Regency/City APBD data in North Sumatra in 2018-2020. The regression line calculation in this study obtained regional original income Y = 153853702,041 + 0,342X1 balancing funds Y=13194181,034+ 0,224X2. The results of the partial test in this study state that Regional Original Revenue, Balancing Funds have an effect on capital expenditures while for the remaining more budget financing has no effect on capital expenditures, while the results of the F test simultaneously note that F Count (68.077)> F table 2.70 with a significance level 0.00> 0.05, this indicates that the influence of the independent variables of Regional Original Revenue, Balancing Fund, Remaining Budget Financing (SilPA) simultaneously (together) has a significant effect on Capital Expenditure Allocation. Regency/City of North Sumatra Province. The results obtained from the R Square value of 0.586 or equal to 58.6%, meaning that the determination coefficient model used is able to explain Regional Original Income, Balancing Funds, Against Capital Expenditure Allocation of Regency / City of North Sumatra Province by 58,6%, while the remaining 41,4% is influenced by other factors not examined.

scholarly journals ANALISIS PENGARUH NON PERFORMING FINANCING (NPF), CAPITAL ADEQUACY RATIO (CAR), FINANCING TO DEPOSIT RATIO (FDR), DAN BOPO TERHADAP PROFITABILITAS (STUDI KASUS PADA PT. BANK VICTORIA SYARIAH PERIODE 2011-2016)

2017 ◽  
Vol 1 (2) ◽  
Author(s):  
Wahyu Dwi Yulihapsari ◽  
Dien Noviany Rahmatika ◽  
Jaka Waskito
Keyword(s):  
Total Sample ◽  
Capital Adequacy ◽  
Significant Positive Effect ◽  
Return On Assets ◽  
Significance Level ◽  
Financial Report ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Negative Effect ◽  
Positive Effect

This study was conducted to examine the effect of variable Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and ROA to profitability PT. Bank Victoria Syariah as measured by Return on Assets (ROA). Data used in the study was obtained from the Quarterly Financial Report 2011-2016 period issued by PT. Bank Victoria Syariah. The total sample of 21 with the technique of multiple regression analysis and hypothesis testing using t-test and F test with a significance level of 5%, which preceded the classical assumption. The results showed the dependent variable profitability (ROA) of 94.7% can be explained by variations in four independent variables (NPF, CAR, FDR and ROA) .In partial NPF and ROA significant negative effect on ROA, CAR significant positive effect on ROA, and FDR was not significant positive effect on ROA. Simultaneously NPF, CAR, FDR and BOPO effect on ROA. Keywords : Non Performing Financing (NPF) , Capital Adequacy Ratio (CAR) , Financing to Deposit Ratio (FDR) , ROA and Return on Assets (ROA)

scholarly journals PENGARUH KECUKUPAN MODAL (CAR), EFISIENSI OPERASIONAL (BOPO), DAN KUALITAS PEMBIAYAAN (NPF) TERHADAP PROFITABILITAS (ROA) PADA BANK SYARIAH DI INDONESIA

2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Suhadi Suhadi ◽  
Dewi Inaroh
Keyword(s):  
Operational Efficiency ◽  
Capital Adequacy ◽  
Islamic Banks ◽  
Significance Level ◽  
Financial Report ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Variability Level ◽  
Capital Efficiency ◽  
Level Of Significance

<p>This study aims to determine the effect of Capital Adequacy Ratio (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), to Profitability (ROA) at Bank Syariah period 2009-2013. The sample in this research is quarterly financial report of 3 Bank Syariah (BRI Syariah,Bank Mandiri Syariah, and Bank Mega Syariah) period 2009-2013. Data analysis used classical assumption test. The result of the research shows that Operational Efficiency (BOPO) has significant effect to Profitability (ROA) with significance level of 0. 000% and tcount of 6, 900. While Capital Adequacy (CAR) and Financing Quality (NPF) did not affect the level of profitability (ROA) with the level of significance of each of 0.322% and 0.666% and t arithmetic respectively of 1,000 and 0. 435. While F test get F count equal to 20, 053 with significance level equal to 0. 000%, this indicates that Capital Adequacy Level (CAR), Operational Efficiency (BOPO), and Financing Quality (NPF), influence to Profitability (ROA). Combined independent variables of this study can explain the variability level of profitability(ROA)of Islamic banks by 49.2%.</p><p>Keywords: capital,efficiency,profitability</p>

scholarly journals Pengaruh Pertumbuhan Ekonomi, Pendapatan Asli Daerah Terhadap Alokasi Belanja Modal Dengan Dana Alokasi Umum Sebagai Variabel Pemoderasi Pada Kabupaten/ Kota Di Provinsi Di Sumatera Utara

2020 ◽  
Vol 4 (1) ◽  
pp. 274-281
Author(s):  
Eka Sridawati Purba ◽  
Elsa Lorreinne Pradipta ◽  
Ruth Trifosa Taruli Manullang ◽  
Benny Rojeston Marnaek Nainggolan
Keyword(s):  
Economic Growth ◽  
Local Governments ◽  
Capital Expenditure ◽  
Secondary Data ◽  
Capital Expenditures ◽  
Moderating Variables ◽  
Local Revenue ◽  
Fixed Assets ◽  
North Sumatra ◽  
Regression Tests

The allocation of expenditure in the Regional Revenue and Expenditure Budget (APBD) in the form of capital expenditure aims to increase the fixed assets and the development of the region so as to create equitable development in each region, but the allocation of capital expenditure is not used productively by local governments, it can be seen from the imbalance of development between regions. The purpose of this study is to examine the effect of Economic Growth (PE), Regional Original Income (PAD) on the allocation of Capital Expenditure (BM) and General Allocation Funds (DAU) as moderating variables in Regencies / Cities in North Sumatra Province. The type of data used in this study is secondary data with multiple linear regression tests. The results of this study partially Economic Growth does not affect the allocation of Capital Expenditures, but Regional Original Revenue partially influences the allocation of Capital Expenditures. Simultaneously Economic Growth, Local Own Revenue and General Allocation Funds have positive and significant effect on capital expenditure. The General Allocation Fund moderates the effect of Economic Growth on the allocation of Capital Expenditures and the General Allocation Fund does not moderate the influence of the Local Revenue to the allocation of Capital Expenditures. Keywords: Economic Growth, Local Own Revenue, Capital Expenditures, General Allocation Funds

scholarly journals PENGARUH NET INTEREST MARGIN (NIM), BEBAN OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN BURSA EFEK DI NEGARA INDONESIA, MALAYSIA, DAN THAILAND

2017 ◽  
Vol 29 (1) ◽  
pp. 9-19
Author(s):  
Juhasdi Susono
Keyword(s):  
Time Series ◽  
Cross Section ◽  
Operating Cost ◽  
Capital Adequacy ◽  
Series Data ◽  
Independent Variables ◽  
Pooled Data ◽  
Net Interest Margin ◽  
Capital Adequacy Ratio ◽  
Interest Margin

This study aims to determine the effect of Net Interest Margin (NIM), Operational Income Operating Cost (BOPO), Capital Adequacy Ratio (CAR), and Non-Performing Loan (NPL) on banking stock exchange company profitability in Indonesia, Malaysia and Thailand. This research was a quantitative, aimed to work out a systematically explain on the facts and properties of object in the research then merger was done between related variables in it with the presentation of secondary data from the financial statements of banking companies in Indonesia, Malaysia and Thailand. The population used in this study was banking company listed in Indonesia, Malaysia and Thailand stock exchanges in the period of 2010 to 2016. The sample used in this study as many as 24 banking companies in Indonesia, Malaysia and Thailand using purpose sampling method to obtain a representative sample that matches the criteria that have been made. In this study, data analysis method used was panel data (pooled data) which is a combination of time-series data and data between individuals or space (cross section) in banking companies in Indonesia, Malaysia and Thailand. Research Results for banking companies in Indonesia gained value of R square model of 0.222 percent, means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 22.20 percent of the remaining 78.80 percent explained by other factors not studied here. Next, In Malaysia R value of this model square of 0.335 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 33.50 percent on the remaining 66.50 percent explained by other factors not included in the study this. While in Thailand, R square value of this model was 0.266 percent means that the variation of the profit that can be explained by the independent variables in the analysis of NIM, BOPO, CAR and NPL of 26.60 percent of 73.40 percent was explained by other factors not discussed in this study.   Abstrak   Penelitian ini bertujuan untuk untuk mengetahui pengaruh Net Interest Margin (NIM), Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Non Performing Loan (NPL) terhadap pofitabilitas perbankan di negara indonesia, malaysia, dan thailand. Penelitian ini merupakan penelitian kuantitatif yang tujuanya untuk mengerjakan suatu yang di jelaskan secara sistematis tentang fakta-fakta serta sifat dalam suatu objek dalam penelitian kemudian melakukan penggabungan antar variabel yang terkait di dalamnya dengan penyajian data sekunder dari laporan keuangan dari perusahaan perbankan di negara indonesia, malaysia dan thailand. Populasi yang di gunakan pada penelitian ini adalah perusahaan perbankan yang terdaftar di bursa efek indonesia, malaysia dan thailand dalam kurun waktu 2010 sampai 2016. Sampel yang di gunakan dalam penelitian ini sebanyak 24 perusahaan perbankan di negara indonesia, malaysia, dan thailand dengan menggunakan metode purpose sampling tujuanya untuk memperoleh sampel representatif yang sesuai kriteria yang sudah di pastikan. Pada penelitian ini, metode analisa data yang digunakan adalah data panel (pooled data) yang merupakan gabungan dari data antar waktu (time series) dan data antar individu atau ruang (cross section) di perusahaan perbankan di negara indonesia, malaysia dan thailand. Hasil Penelitian untuk perusahaan perbankan di negara indonesia Nilai R square model ini sebesar 0,222 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 22.20 persen sisanya sebesar 78.80 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Selanjutnya Di negara malaysia Nilai R square model ini sebesar 0,335 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 33.50 persen sisanya sebesar 66.50 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini. Sedangkan di negara thailand. Nilai R square model ini sebesar 0,266 persen artinya bahwa variasi dari profit yang dapat dijelaskan oleh variabel bebas yang di analisis yaitu NIM, BOPO, CAR dan NPL sebesar 26.60 persen sisanya sebesar 73.40 persen dijelaskan oleh faktor lain yang tidak dimasukkan dalam penelitian ini.

scholarly journals PENGARUH KINERJA KEUANGAN TERHADAP PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA (PERIODE 2009-2013)

2016 ◽  
Vol 5 (2) ◽  
Author(s):  
Irma Safitri ◽  
Nadirsyah Nadirsyah ◽  
Darwanis Darwanis
Keyword(s):  
Commercial Banks ◽  
Research Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Independent Variables ◽  
The Third ◽  
Capital Adequacy Ratio ◽  
Observation Period

The purposes of this research were to determine the effect of the financial performance of Islamic commercial banks in Indonesia on financing, both individually and simultaneously. The performance was measured through Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Deposit Ratio (FDR). These four independent variables to be tested influence on the dependent variable. This research used census method that includes all of the Islamic banks in Indonesia for observational data. Research data observation period from 2009 until 2013 a total of 11 banks. Multiple linear regression was used to analyze the data.The results of this study found that the Third Party Funds (TPF), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) affect the financing, both individually and simultaneously. Fluctuations in either an increase or decrease of financing that occurred in Islamic banking in Indonesia is determined by the four independent variables. That is to say, the four independent variables that have an important role in the financing of Islamic banking in Indonesia. =========================================== Penelitian ini bertujuan untuk menguji pengaruh kinerja keuangan bank umum syariah di Indonesia terhadap pembiayaan, baik secara parsial maupun simultan. Kinerja keuangan diukur melalui Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) Keempat variabel bebas tersebut akan diuji pengaruhnya terhadap satu variabel tidak bebas. Penelitian ini adalah penelitian sensus, yakni memasukan semua bank umum syariah yang ada di Indonesia ke dalam data pengamatan. Periode pengamatan data penelitian dari tahun 2009 s.d 2013 yang berjumlah 11 perbankan. Metode analisis yang digunakan adalah regresi linear berganda. Hasil penelitian ini menemukan bahwa Dana Pihak Ketiga (DPK), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh terhadap pembiayaan pada perbankan syariah di Indonesia, baik secara parsial maupun simultan. Fluktuasi baik itu peningkatan atau penurunan pembiayaan yang terjadi pada perbankan syariah di Indonesia ditentukan oleh keempat variabel bebas tersebut. Sehingga dapat dikatakan bahwa, keempat variabel bebas tersebut mempunyai peranan penting atas pembiayaan pada perbankan syariah di Indonesia.

scholarly journals Analisis Perbandingan Kinerja Keuangan Perbankan Syariah Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS) pada Bank Umum Konvensional

2015 ◽  
Vol 6 (1) ◽  
pp. 81
Author(s):  
Wiwin Kurniasari
Keyword(s):  
Interest Rate ◽  
Risk Ratio ◽  
Asset Management ◽  
Market Risk ◽  
Interest Rate Risk ◽  
Capital Adequacy ◽  
Business Unit ◽  
Capital Asset ◽  
Rate Risk ◽  
Capital Adequacy Ratio

This study aims to analyze the comparative financial performance of Islamic Banking with Conventional Banking (Shariah Business Unit) for each financial ratio and overall. The measurements of banking performance were used in this study are CAMELS ratios (Capital, Asset, Management, Earnings, Liquidity, and Sensitivity to Market Risk). This study uses 11 Shariah Banks and 12 Shariah Business Unit in 2012. This study shows that there are no differences between Shariah Banks and Shariah Business Unit in Capital Adequacy Ratio and Ratio Quality of Earning Asset, but there are differences in Management Ratio, Profitability Ratio, Liquidity Ratio, and Sensitivity Ratio in each and overall.Penelitian ini bertujuan untuk menganalisa perbandingan kinerja keuanganperbankan syariah yaitu Bank Umum Syari ah (BUS) dengan Bank Konvensional dari Unit Usaha Syariah (UUS) untuk masing-masing rasio keuangan dan secara keseluruhan. Ukuran kinerja bank yang digunakan dalam penelitian ini adalah rasio keuangan bank CAMELS (Capital, Asset, Management, Earnings, Liquidity, sensitivity to market risk), yang meliputi Capital Adequacy Ratio (mewakili rasio permodalan), pembentukan penyisihan penghapusan aktiva produktif (mewakili rasio kualitas aktiva produktif), Net Profit Margin/NPM(mewakili rasio manajemen), Return on Assets (ROA), Loan to Deposit Ratio (mewakili rasio likuiditas) dan Interest Rate Risk Ratio (mewakili rasio Sensitivitas terhadap Risiko Pasar).Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling yang merupakan teknik pengambilan sampel dengan pertimbangan atau kriteria tertentu. Sampel yang dipergunakan peneliti adalah11 Bank Umum Syariah (BUS) dan 12 Unit Usaha Syariah (UUS) yang memiliki kelengkapan laporan keuangan tahun 2012 yang berupa neraca, laporan laba rugi, komitmen dan kontinjensi, kualitas aktiva produktif dan informasi lainnya, perhitungan kewajiban penyediaan modal minimum (KPMM). Berdasarkan hasil penelitian, analisis uji beda rata-rata t-Test memperlihatkan tidak ada perbedaan yang signifikan antara kinerja keuangan perbankan syariah pada Bank Umum Syariah (BUS) dengan perbankan konvensional yang mempunyai Unit Usaha Syariah (UUS) jika dilihat dari rasio permodalan (CAR) dan rasio kualitas aktiva produktif (PPAP). Ada perbedaan yang signifikan antara kinerja keuangan perbankan syariah (Bank Umum Syariah) dengan perbankan konvensional yang mempunyai Unit Usaha Syariah (UUS) jika dilihat dari rasio manajemen (NPM), rasio profitabilitas (ROA), rasio likuiditas (LDR), dan rasio sensitifitas terhadap reaksi pasar-Interest Rate Risk Ratio (IRRR), serta jika dilakukan analisis secara keseluruhan kinerja keuangan perbankan syariah.

scholarly journals Pengaruh NPF, FDR, CAR dan Inflasi terhadap Penyaluran Pembiayaan Modal Kerja pada BPRS di Indonesia

2020 ◽  
Vol 1 (1) ◽  
pp. 137-151
Author(s):  
Hasna Rohmatunnisa ◽  
Leni Nur Pratiwi
Keyword(s):  
Analysis Data ◽  
Capital Adequacy ◽  
Analysis Method ◽  
Working Capital ◽  
Financial Service Authority ◽  
Linear Effect ◽  
Independent Variables ◽  
Capital Adequacy Ratio ◽  
Capital Financing ◽  
Linear Effects

This research aims to analyze how the independent variables of Non Performing Financing, Financing  to Deposit Ratio, Capital Adequacy Ratio, and Inflation impact for the Distribution of Working Capital Financing. Data analysis method is multiple regression analysis, data obtained by monthly reports from Islamic Banking Statistics which published by Indonesia Financial Service Authority  (OJK) and Inflation data which published by Indonesia Bank period Jan 2014 until Dec 2018 with the total of 58 data samples. The result of this research shows that Non Performing Financing (NPF) has a significant positif  linear effect on Working Capital Financing, Financing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) have significant negative linear effects on Working Capital Financing, while Inflasi had no effect on Working Capital Financing. Concurrently, all the variables have significant effects on Working Capital Financing.

scholarly journals PENGARUH PENDAPATAN ASLI DAERAH, DANA ALOKASI KHUSUS, DAN LUAS WILAYAH TERHADAP BELANJA MODAL PADA PEMERINTAH KABUPATEN/KOTA DI PROVINSI ACEH

2020 ◽  
Vol 5 (3) ◽  
pp. 362-371
Author(s):  
Fajar Maulana ◽  
Wida Fadhlia
Keyword(s):  
Financial Management ◽  
Capital Expenditure ◽  
Secondary Data ◽  
Capital Expenditures ◽  
Unit Of Analysis ◽  
Independent Variables ◽  
Local Revenue ◽  
Analysis Technique ◽  
Simultaneous Testing ◽  
Aceh Province

This study aims to examine the effect of Local Revenue, Special Allocation Funds, and Area Size on Capital Expenditures. The data used in this study are secondary data obtained from the Aceh Financial Management Agency. The unit of analysis in this study is the 2014-2018 Regency/City Budget Realization Report. The sample in this study was Aceh Province consisting of 23 Regencies/Cities. The analysis technique used is multiple linear regression using SPSS 24. This study uses the independent variables Regional Original Revenue, Special Allocation Funds, and Area and the dependent variable Capital Expenditure. The results of this study indicate that in the simultaneous testing (F test), the variable Local Revenue, Special Allocation Funds, and Area Size have a significant effect on capital expenditure. . In the partial test, the variable of Original Regional Revenue, Special Allocation Funds, and area size affect capital expenditure.

scholarly journals ANALISIS PENGARUH BI RATE DAN KINERJA KEUANGAN BANK TERHADAP PEMBIAYAAN BANK SYARIAH DI INDONESIA (2010 - 2017)

2019 ◽  
Vol 3 (3) ◽  
pp. 376-385
Author(s):  
Didit Suprayitno ◽  
Idah Zuhroh ◽  
M.Faisal Abdullah
Keyword(s):  
Secondary Data ◽  
Capital Adequacy ◽  
Third Party ◽  
Coefficient Of Determination ◽  
Analysis Techniques ◽  
Independent Variables ◽  
Significant Negative Effect ◽  
Panel Data Regression ◽  
Capital Adequacy Ratio ◽  
Negative Effect

This study aims to analyze the influence of the independent variables, namely the BI Rate, Third Party Funds (DPK), Capitalization of Adequacy Ratio (CAR) and Operational Income Costs (BOPO) on Islamic bank financing in Indonesia 2010 - 2017. This type of research is Quantitative Inferential . The required data is secondary data from the financial statements of five Islamic banks in Indonesia 2010-2017.4. Data analysis techniques are panel data regression analysis techniques. The results of the study show that the BI Rate variable has a significant negative effect on financing, Third Party Funds (TPF) have a significant positive relationship to financing, while for the variable Capital Adequacy Ratio (CAR) has a significant positive effect on financing and for Operational Income Operating Costs (BOPO) no significant negative effect on financing. The coefficient of determination (R ^ 2) is 0.938581 or 93.85%. This shows that the ability of the independent variables namely BI Rate, DPK, CAR and BOPO explain the dependent variable of Financing at 93.85% and the remaining 6.15% can be explained by other variables.

scholarly journals THE EFFECT OF CREDIT RISK AND CAPITAL ADEQUACY RATIO UPON RETURN ON ASSET (A Case Study at Banking Listed in Indonesia Stock Exchange)

2019 ◽  
Vol 2 (02) ◽  
Author(s):  
Yuli Anwar ◽  
Etty Murwaningsari
Keyword(s):  
Regression Analysis ◽  
Credit Risk ◽  
Multiple Regression Analysis ◽  
Multiple Regression ◽  
Stock Exchange ◽  
Secondary Data ◽  
Capital Adequacy ◽  
Significance Level ◽  
Capital Adequacy Ratio ◽  
Test Of Hypothesis

The aim of study to examine the effect of credit risk as measured by non performing loan, and capital adequacy ratio to profitability level measured by return on assets in banking companies listed in Indonesia Stock Exchange (IDX). This research belongs to causative research. The population in this study is the stateowned banks listed on Indonesia Stock Exchange. The sample of this study is determined by purposive sampling method so that obtained four sample companies. The type of data used is secondary data obtained from www.idx.co.id. The analysis method used is multiple regression analysis, correlation, determination and partial test of hypothesis with t test and simultaneously with F test. Based on the results of multiple regression analysis with 5% significance level, the results of this study conclude: (1) non performing loan has a negative and significant influence on profitability in banking companies listed on Indonesia Stock Exchange (2) capital adequacy ratio positively affect profitability on banking industry listed on Indonesia Stock Exchange. So simultaneously and together it can be concluded that NPL and CAR have an effect on ROA.

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