THE EFFECT OF DEPOSITS AND NON-PERFORMING LOANS ON BANK PROFITABILITY
(Case Study on Conventional Commercial Banks listed on the Indonesia Stock Exchange for the period 2015 - 2021)
Main Article Content
This study aims to examine the effect of deposits and non-performing loans on bank profitability. The population in this study were conventional commercial banks listed on the Indonesia Stock Exchange during the observation period, namely from 2015 – 2021. After using a purposive sampling technique to select the sample, 41 sample data were chosen. The type of data in this research is unbalanced panel data. The analysis technique in this study is panel data regression with the selected regression model being the fixed effect model. The results of testing the hypothesis stated that partially savings had an effect but not significant on bank profitability. Meanwhile, non-performing loans have a significant effect on profitability. Simultaneously, savings and non-performing loans have a significant effect on profitability.
Ali, M. (2004). Asset Liability Management. PT Elex Media Komputindo.
Company, P., Jensen, C., & Meckling, H. (1976). Theory Of The Firm : Managerial Behavior , Agency Costs And Ownership Structure I . Introduction and summary In this paper WC draw on recent progress in the theory of ( 1 ) property rights , firm . In addition to tying together elements of the theory of e. 3, 305–360.
Dahlan, S. (2005). Manajemen Lembaga Keuangan: Kebijakan Moneter dan Perbankan. Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia.
Dewasiri, N. J., Yatiwelle Koralalage, W. B., Abdul Azeez, A., Jayarathne, P. G. S. A., Kuruppuarachchi, D., & Weerasinghe, V. A. (2019). Determinants of dividend policy: evidence from an emerging and developing market. Managerial Finance, 45(3), 413–429. https://doi.org/10.1108/MF-09-2017-0331
Dewi, L. E., Herawati, N. T., & Sulindawati, N. L. G. E. (2015). Analisis Pengaruh NIM, BOPO, LDR, dan NPL terhadap Profitabilitas (Studi Kasus pada Bank Umum Swasta Nasional yang Terdaftar pada Bursa Efek Indonesia Periode 2009-2013). Journal S1 AkUniversitas Pendidikan Ganesha Jurusan Akuntansi Program S1, 3 nomor 1.
Fadli, T. (2019). Pengaruh Dana Simpanan Wadi’ah Yad Adh–Dhamanah Terhadap Laba Bersih Bank Syariah Mandiri (Studi di PT. Bank Syariah Mandiri Tbk). (Doctoral Dissertation, UIN SMH BANTEN.
Firdaus, H. R. & M. A. (2009). Manajemen Perkreditan Bank Umum. Alfabetta.
Fitri, M. (2018a). Pengaruh Pertumbuhan Tabungan, Deposito, Dan Giro Terhadap Pertumbuhan Profitabilitas Pada Bank Umum Syariah Di Indonesia. 1–111.
Fitri, M. (2018b). Pengaruh Pertumbuhan Tabungan, Deposito, Dan Giro Terhadap Pertumbuhan Profitabilitas Pada Bank Umum Syariah Di Indonesia. Perbankan Syariah,Fakultas Ekonomi Dan Bisnis Islam UIN Raden Fatah Palembang.
Fransiska, D., & Hartini, T. (2014). Pengaruh Return on Equity, Earning Per Share dan Price Earning Ratio terhadap Return Saham Perusahaan Industri Barang Kounsumsi di Bursa Efek Indonesia. Jurnal Akuntansi,STIE MDP, Voll, No 2.
Ghozali, I. (2018). Aplikasi Analisis Multivariete SPSS 25. Universitas Diponegoro.
Gongera Enock George, Barrack Otieno Ouma, dan J. N. W. (2013). Effect of financial risk on profitability of sugar firm in Kenya. European Journal of Business and Management, Vol. No 5,.
Hadiyati, P., & Baskara, R. A. (2013). Pengaruh Non Performing Financing Pembiayaan Mudharabah dan Musyarakah Pada Bank Muamalat Indonesia. E-Jurnal Manajemen Dan Bisnis.
Hendy Herianto. (2013). Selamatkan Perbankan. PT.Mizan Publika.
Kasmir. (2010). Manajemen Perbankan. Raja Grafindo Persada.
MabvureTendai Joseph, G. E., Manuere, F., Clifford, M., & Michael, dan K. (2012). Non Performing loans in Commercial Banks: A case of CBZ Bank Limited In Zimbabwe. Interdisciplinary Journal of Conteporary Research in Business., Vol 4, No.
Muhammad. (2005). Manajemen Dana Bank Syariah. Ekonisia.
Permana, K. W. angga. (2019). Pengaruh Kredit Macet Terhadap Profitabilitas Pt Bank Rakyat Indonesia, TBK Periode 2016-2019. Jurnal Ilmiah Akuntansi Rahmaniyah (JIAR), 9–25.
Prastiyaningtyas, F., & Pangestuti, I. R. D. (2010). Faktor-faktor yang mempengaruhi profitabilitas perbankan (studi pada bank umum go public yang listed di bursa efek indonesia tahun 2005-2008). Doctoral Dissertation, Universitas Diponegoro.
Stiawan, A. (2009). Analisis Pengaruh Faktor Makroekonomi, Pangsa Pasar dan Karakteristik Bank Terhadap Profitabilitas Bank Syariah. Tesis. Universitas Diponegoro.
Sudiyatno, B. dan A. F. (2013). Terdaftar, Pengaruh Risiko Kredit Dan EfisiensiOperasional Terhadap Kinerja Bank (Studi Empiris pada Bank yang Indonesia, di Bursa Efek. Jurnal Organisasi Dan Manajemen, 9, 73–86.
Suprianto, E., Setiawan, H., & Rusdi, D. (2020). Pengaruh Non Performing Financing (NPF) Terhadap Profitabilitas Bank Syariah di Indonesia. Wahana Riset Akuntansi, 8(2), 140. https://doi.org/10.24036/wra.v8i2.110871
Werdaningtyas, H. (2022). Faktor yang Mempengaruhi Profitabilitas Bank Take Over Pramerger di Indonesia. Jurnal Manajemen Indonesia.