Analisis Pengaruh Faktor Spesifikasi Bank dan Makro Ekonomi terhadap Profitabilitas Bank Pembangunan Daerah di Indonesia

Abstract

This research aims to determine the effect of total assets, total credit, total liabilities, capital adequacy ratio, non-performing loans, and interest rates on the profitability of Regional Development Banks in Indonesia. This type of research is associative research with a quantitative approach. The type of data used in this research is secondary data in the form of total assets, total credits, total liabilities, capital adequacy ratio, non-performing loans, interest rates and profitability of Regional Development Banks in Indonesia. The analysis technique used is panel data regression using E-Views. The results of this research show that total assets have a positive, but not significant, effect on profitability. Total credit has a positive and significant effect on profitability. Total liabilities have a significant negative effect on profitability. Capital adequacy ratio has no effect on profitability. Non-performing loans have a significant negative effect on profitability. Interest rates have a positive and significant effect on profitability.