PENGARUH NET INTEREST MARGIN (NIM) DAN CAPITAL ADEQUATY RATIO (CAR) TERHADAP RETURN ON ASSET (ROA) PADA BANK KONVESIONAL YANG TERDAFTAR DI OJK TRIWULAN TAHUN 2018-2020
ABSTRACT Several indicators can assess the soundness of commercial banks, which include CAR and NIM. In this study, the researcher wanted to examine some of the effects of indicators on profitability at conventional banks. In assessing bank finances, this financial analysis is very much needed in th...
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Published in | Bilancia : Jurnal Ilmiah Akuntansi Vol. 8; no. 1; p. 51 |
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Main Author | |
Format | Journal Article |
Language | English |
Published |
31.03.2024
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Online Access | Get full text |
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Summary: | ABSTRACT Several indicators can assess the soundness of commercial banks, which include CAR and NIM. In this study, the researcher wanted to examine some of the effects of indicators on profitability at conventional banks. In assessing bank finances, this financial analysis is very much needed in that case, because this analysis is useful for monitoring the financial health of banks, finances in state businesses, even negative or positive movements in state banks. Financial reports are also very useful for business people, both government and business people. And this study produces an analysis which says that CAR has a positive effect on profitability, and NIM does not have a significant value on profitability. Keywords: CAR; NIM; ROA; Profitability; Bank; Financial Ratios; Conventional Bank ABSTRAK Beberapa indikator dapat menilai tingkat kesehatan bank umum, yang dimana indikator tersebut meliputi CAR dan NIM. Dalam penelitian ini peneliti ingin menguji beberapa pengaruh indikator terhadap profitabilitas pada Bank Konvesional. Dalam menilai keuangan bank, analisis keuangan ini sangat dibutuhkan dalam hal itu, karena analisis ini berguna untuk mengawasi kesehatan keuangan bank, keuangan dalam bisnis negara, bahkan pergerakan negatif atau positif dalam bank negara. Laporan keuangan juga sangat berguna untuk pelaku bisnis, baik pemerintah maupun pebisnis. Dan penelitian ini menghasilkan analisis yang mengtakan bahwasannya CAR berpengaruh positif pada profitabilitas, dan NIM tak memiliki nilai yang signifikan terhadap profitabilitas. Kata Kunci : CAR; NIM; ROA; Profitabilitas; Bank; Rasio Keuangan; Bank Konvesional. |
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ISSN: | 2549-5704 2685-5607 |
DOI: | 10.35145/bilancia.v8i1.4262 |