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Kembali| NIM (Student Number) | C1H019004 |
|---|---|
| Nama Mahasiswa | MUHAMMAD RADITYA RAHAGI |
| Judul Artikel | ANALYSIS OF FACTORS AFFECTING THE PROFITABILITY OF DIGITAL BANK IN INDONESIA (Empirical Study on Digital Banking Companies Listed on Indonesian Stock Exchange) |
| Abstrak | The ratio that measures the capacity of a company or bank to generate profits over a predetermined period of time is called profitability. Profitability is measured by ROA which measures the capacity of bank management to generate overall profits. However, most digital banking companies have a negative Return on Assets (ROA). This study aims to find out how big the Loan to Deposit Ratio, Non-Performing Loans, Capital Adequacy Ratio to Profitability (ROA) with Net Interest Margin as mediation. The population in this study are 7 digital banking companies listed on the Indonesia Stock Exchange in 2019 to the third quarter of 2021. The purpose of this research is to analyze the factors that can affect the profitability of digital banks. The results of research and data analysis using Partial Least Square shows that: (1) Loan to Deposit Ratio has no positive effect on Profitability (ROA), (2) Loan to Deposit Ratio has a positive effect on Net Interest Margin, (3) Net Interest Margin has a positive effect on Profitability (ROA), (4) Net Interest Margin is able to mediate between Loan to Deposit Ratio and Profitability (ROA), (5) Non Performing Loans have no effect on Profitability (ROA), (6) Capital Adequacy Ratio has a negative effect on Profitability (ROA). |
| Abstrak (Inggris) | The ratio that measures the capacity of a company or bank to generate profits over a predetermined period of time is called profitability. Profitability is measured by ROA which measures the capacity of bank management to generate overall profits. However, most digital banking companies have a negative Return on Assets (ROA). This study aims to find out how big the Loan to Deposit Ratio, Non-Performing Loans, Capital Adequacy Ratio to Profitability (ROA) with Net Interest Margin as mediation. The population in this study are 7 digital banking companies listed on the Indonesia Stock Exchange in 2019 to the third quarter of 2021. The purpose of this research is to analyze the factors that can affect the profitability of digital banks. The results of research and data analysis using Partial Least Square shows that: (1) Loan to Deposit Ratio has no positive effect on Profitability (ROA), (2) Loan to Deposit Ratio has a positive effect on Net Interest Margin, (3) Net Interest Margin has a positive effect on Profitability (ROA), (4) Net Interest Margin is able to mediate between Loan to Deposit Ratio and Profitability (ROA), (5) Non Performing Loans have no effect on Profitability (ROA), (6) Capital Adequacy Ratio has a negative effect on Profitability (ROA). |
| Kata Kunci | Loan to Deposit Ratio, Non-Performing Loan, Capital Adequacy Ratio, Net Interest Margin, Profitability (ROA). |
| Nama Pembimbing 1 | Dr. Najmudin, S.E., M.Si |
| Nama Pembimbing 2 | Dr. Rio Dhani Laksana, S.E., M.Sc |
| Tahun | 2023 |
| Jumlah Halaman | 16 |
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