PENGARUH LIKUIDITAS, KUALITAS ASET, DAN SENSITIVITAS TERHADAP PROFITABILITAS BANK UMUM SWASTA NASIONAL (BUSN) DEVISA GO PUBLIC

Abstract

This study aims to examine the effect of liquidity proxied by loan to deposit ratio (LDR) and investing policy
ratio (IPR). Asset quality is proxied by non-performing loans (NPL) and non-performing productive assets
(APB). Sensitivity is proxied by interest rate risk (IRR) on ROA. This type of research is a type of quantitative
research. The population used in this study and through the IDX website www.idx .co.id. Sampling in this
study was obtained using the purposive sampling method, which is a non-random sample whose information
was obtained using certain considerations. The results of this study indicate that the Loan To Deposit Ratio
(LDR) has a positive effect on return on assets, indicating that the first hypothesis can be accepted. Investing
Policy Ratio (IPR) has a positive effect on return on assets, indicating that the second hypothesis is acceptable.
Non-Performing Loans (NPL) have a positive effect on return on assets, indicating that the third hypothesis can
be rejected. Non-performing productive assets (APB) have a positive effect on return on assets, indicating that
the fourth hypothesis can be rejected. Interest Rate Risk (IRR) has a positive effect on return on assets indicating
that the fifth hypothesis is acceptable.