Putri, Erika Ardila Alodia (2024) PENGARUH RISIKO KREDIT, RISIKO LIKUIDITAS DAN PENDAPATAN BUNGA TERHADAP PROFITABILITAS DENGAN DANA PIHAK KETIGA SEBAGAI VARIABEL MODERASI(Studi Kasus Pada Bank Umum Konvensional Yang Terdaftar Di Bursa Efek Indonesia Periode 2017-2022). S1 thesis, Universitas PGRI Madiun.
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Abstract
The aim of this research was to determine the effect of credit risk (NPL), liquidity risk (LDR) and interest income (NIM) towards profitability (ROA) with third party funds (DPK) as a moderating variable either simultaneously or partially. This research was conducted on conventional commercial banks listed on the Indonesia Stock Exchange for the 2017-2022 period, totaling 42 conventional commercial banks. The sample used in this research was 252 using the Purposive Sampling technique. The method in this research used descriptive analysis, classical assumption test, multiple linear regression analysis, and Moderate Regression Analysis (MRA) test. The results of this study show: credit risk (NPL) has a significant negative effect towards profitability (ROA), liquidity risk (LDR) has an insignificant negative effect towards profitability (ROA), while interest income (NIM) and Third Party Funds (DPK) have a positive effect and significant to profitability (ROA). Credit risk (NPL), liquidity risk (LDR) and interest income (NIM) simultaneously have a positive and significant effect towards profitability (ROA). Third Party Funds (DPK) are unable to moderate the influence of credit risk (NPL) and liquidity risk (LDR) towards profitability (ROA), but Third Party Funds (DPK) are able to moderate the influence of interest income (NIM) towards profitability (ROA).
| Item Type: | Thesis/Skripsi/Tugas Akhir (S1) |
|---|---|
| Kata Kunci: | Credit Risk (NPL), Liquidity Risk (LDR), Interest Income (NIM), Third Party Funds (DPK), Profitability (ROA) |
| Subjects: | A Social Sciences > HG Finance A Social Sciences > HJ Public Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis > Manajemen |
| Depositing User: | ALODIA ARDILA ERIKA |
| Date Deposited: | 07 Oct 2024 03:47 |
| Last Modified: | 07 Oct 2024 03:47 |
| URI: | http://eprint.unipma.ac.id/id/eprint/2214 |
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