PENGARUH RISIKO KREDIT, KECUKUPAN MODAL, DAN LIKUIDITAS TERHADAP PROFITABILITAS

Abstract

Meeting financial needs for banking financial institutions can be sourced from within and outside the company.
External funding sources (external fund) make this bank financial institutions have debts that must be paid both
in the short and long term. This study aims to determine the effect of non-performing loans, capital adequacy
ratio and loan deposits ratio affect profitability. The population in this study were conventional banks listed on
the Indonesia Stock Exchange for 5 years, namely in 2012-2016. In this study, based on purposive sampling
criteria obtained 24 Banking companies. Data collection techniques in this study use financial statements. The
type of data used in this study is secondary data. The research method is quantitative, while the data analysis
technique uses multiple linear regression analysis. The results of this study indicate that non-performing loans
have a negative and significant effect on profitability, the capital adequacy ratio has a positive and not
significant effect on profitability while the loan deposits ratio has a negative and not significant effect on
profitability

Keywords: non performing loan, capital adequacy ratio, loan deposits ratio, profitability