PENGARUH KECUKUPAN MODAL, MANAJEMEN RISIKO, DAN KUALITAS ASET PRODUKTIF TERHADAP PROFITABILITAS

Abstract

This research aimed to examine the empirical evidence of factors which affected on the profitability of financing companies which were listed on Indonesia Stock Exchange 2014-2017, Those factors namely capital adequacy which was measured by capital adequacy ratio (CAR), risk management was measured by Non Performing Loan (NPL), Net Interest Margin (NIM), Loan Deposite Ratio (LDR), and productive Asset Quality on the Company profitability of financing companies which were listed on Indonesia Stock Exchange 2014-2017. The research was quantitative, while, the sample was financing companies which were listed on Indonesia Stock exchange 2014-2017. Moreover, the data collection technique used purposive sampling, in which the collection based on criteria given. In line with, there were 27 banks which were listed on Indonesia stock exchange 2014-2017. Furthermore, the data used secondary which in the form of financial statement. In addition, the data analysis technique used multiple linear regression with SPSS version 21. The research result concluded CAR did not affect on profitability, moreover, NPL did not affect on profitability, furthermore, LDR did not affect on profitability. In addition, KAP did not affect on profitability on the other hand, NIM had affected on profitability.
Keywords: capital adequacy, risks management, productive asset quality, profitability.