Anteseden Profitabilitas Bank BUMN di Indonesia

Abstract

The study was conducted to empirically examine the factors that influence profitability, which consist of CAR, NPL, LDR, NIM and company size with the object of research being state-owned banks listed on the Indonesia Stock Exchange (IDX). There are four banks, namely BBNI, BBRI, BBTN and BMRI, so the sample used is the entire population. The research period was carried out for the period 2011-2020. With the regression analysis of the selected panel data, namely the common effect model, it was found that the partial test results showed that CAR had a negative impact but had no significant effect on profitability. NPL affects profitability significantly negatively. The LDR variable has an insignificant negative effect on profitability, NIM has a significant positive effect on profitability, while the size of the company has no significant effect on profitability. Furthermore, the F test proves that all variables simultaneously affect profitability significantly. The R-square value of 0.9152 proves that the model is able to explain 91.52% of its effect on profitability, while the remaining 8.48% is determined by other variables outside the model.