Pengaruh Faktor-Faktor Spesifik Bank terhadap Profitabilitas Bank Konvensional yang Terdaftar di Bursa Efek Indonesia
DOI:
https://doi.org/10.36636/dialektika.v11i1.8542Kata Kunci:
Profitabilitas Bank, Rasio Biaya Pendapatan, Rasio Kecukupan Modal, Rasio Pinjaman Bermasalah, Ukuran BankAbstrak
Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), ukuran bank, dan Cost to Income Ratio (CIR) terhadap profitabilitas bank konvensional yang terdaftar di Bursa Efek Indonesia periode 2020–2024. Profitabilitas diukur menggunakan Return on Equity (ROE). Penelitian ini menggunakan data sekunder yang diperoleh dari laporan tahunan 41 bank konvensional dengan total 205 observasi yang dipilih melalui teknik purposive sampling. Metode analisis yang digunakan adalah regresi data panel dengan pendekatan Fixed Effects Model (FEM) menggunakan E-Views. Hasil penelitian menunjukkan bahwa ukuran bank berpengaruh positif terhadap ROE, sedangkan NPL dan CIR berpengaruh negatif terhadap ROE. Sementara itu, CAR tidak berpengaruh signifikan terhadap profitabilitas bank. Temuan ini menunjukkan bahwa efisiensi operasional dan pengendalian kredit bermasalah menjadi faktor utama dalam meningkatkan profitabilitas bank. Penelitian ini memberikan implikasi bagi manajemen bank untuk meningkatkan efisiensi biaya, menjaga kualitas kredit, serta mengoptimalkan pemanfaatan aset dalam rangka meningkatkan kinerja profitabilitas.
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