RT Journal Article
A1 Anthony Wijaya
A1 Agnes Gummer
A1 Angel Monica
A1 Rosmayanti Rosmayanti
A1 Rafida Khairani
A1 Maya Andriani
T1 The influence of credit, liquidity and non-performing loans on profttability in Commercial Banks listed on the IDX for the 2019-2022 Period
JF Journal of Economics and Business Letters
YR 2023
VO 3
IS 6
SP 82-93
DO 10.55942/jebl.v3i6.260
AB This study explores the correlation among non-performing loans (NPL), credit (DER), liquidity (CR), and profitability (ROA). The data  used  in  this  investiga- tion were extracted from the Annual Published Financial Reports of 44 Commercial Banks listed on the Indonesia Stock Exchange for the period 2019–2022. The sam- ple selection involved a comprehensive approach, targeting all 44 Commercial Banks listed on the Indonesia Stock Exchange (BEI) during the years 2019 to 2022. Sta- tistical tests, specifically multiple regression methods, were applied for hypothesis testing, utilizing the F-test and T test after conducting conventional assumption tests. The findings indicate that profitability (ROA)  is significantly influenced by  the interplay of non-performing loans (NPL), liquidity (CR), and credit (DER). Credit (DER) has a discernible impact on profitability (ROA), whereas  liquidity (CR) does not significantly affect profitability (ROA). Non-performing loans (NPL) exert a modest and unfavorable influence on profitability (ROA). The coefficient of determination (R2) for this study is 0.139, suggesting that factors beyond the scope of this research contribute to 86.1% of the variance, while variables related to credit, liquidity, and non-performing loans (NPL) can account for 13.9% of the variance in the profitability (ROA) variable.
K1 Debt to Equity Ratio, Current Ratio, Non-Performing Loans, Return on Assets
LK https://journal.privietlab.org/index.php/JEBL/article/view/260
ER