PENGARUH KARAKTERISTIK BANK TERHADAP PROFITABILITAS BANK DI INDONESIA
Abstract
Studi dilakukan dengan meneliti pengaruh karakteristik bank terhadap profitabilitas, diproksikan dengan Return on Assets, dengan rasio kecukupan modal, simpanan, pinjaman, likuiditas, kredit bermasalah, dan ukuran bank sebagai variabel independent serta moderasi kredit bermasalah terhadap modal. Hasil penelitian dengan menggunakan analisis regresi menunjukkan bahwa simpanan, pinjaman, kredit bermasalah dan ukuran bank memiliki efek signifikan terhadap profitabilitas, sedangkan rasio lain tidak berpengaruh. Temuan ini menunjukkan pentingnya pengelolaan dana pihak ketiga dan penyaluran kredit yang berhati-hati serta kecukupan asset bank untuk meningkatkan profitabilitas.
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