DETERMINAN FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK DIGITAL YANG TERDAFTAR DI BEI

Moh. Rizqy Eka Putra; Gymnastiar Eka Aurillina Pasaribu; Ladi Wajuba Perdini Fisabilillah; Aminudin Ma'ruf

doi:10.26740/independent.v5i1.65203

Penulis

Moh. Rizqy Eka Putra Universitas Negeri Surabaya
Gymnastiar Eka Aurillina Pasaribu Universitas Negeri Surabaya
Ladi Wajuba Perdini Fisabilillah Universitas Negeri Surabaya
Aminudin Ma'ruf Universitas Negeri Surabaya

DOI:

https://doi.org/10.26740/independent.v5i1.65203

Kata Kunci:

NPL, CAR, ROA, BOPO, Profitabilitas

Abstrak

Penelitian ini bertujuan untuk menganalisis determinan faktor yang mempengaruhi profitabilitas bank digital yang terdaftar di Bursa Efek Indonesia (BEI) selama periode 2018–2023. Variabel independen yang diuji meliputi Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO), dengan Return on Assets (ROA) sebagai variabel dependen. Metode yang digunakan adalah kuantitatif dengan regresi data panel menggunakan software Eviews 10. Sampel penelitian terdiri dari enam bank digital yang memenuhi kriteria, dengan total 30 observasi. Hasil penelitian menunjukkan bahwa NPL berpengaruh positif namun tidak signifikan terhadap ROA, CAR berpengaruh positif dan signifikan terhadap ROA, sedangkan BOPO berpengaruh negatif signifikan terhadap ROA. Temuan ini mengindikasikan bahwa efisiensi operasional dan kecukupan modal menjadi faktor kunci dalam meningkatkan profitabilitas bank digital. Oleh karena itu, bank digital perlu meningkatkan efisiensi operasional dan mempertahankan posisi modal yang kuat untuk menjaga kinerja keuangan yang optimal.

Unduhan

Data unduhan belum tersedia.

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