The Effect Of Third Party Funds, Capital Adequacy, Credit Risk, And Credit Interest Rate On Profitability In LQ45 Index Company Companies In 2005-2018

  • Syahbana . Master of Accounting Graduate Program, University of Syiah Kuala, Indonesia
  • Ridwan Ibrahim Faculty of Economics and Business, University Syiah Kuala, Indonesia
  • Mulia Saputra Faculty of Economics and Business, University Syiah Kuala, Indonesia http://orcid.org/0000-0002-0335-9938
Keywords: Third Party Funds, Capital Adequacy, Credit Risk, Loan Interest Rates and Profitability.

Abstract

The purpose of this study was to determine: (1) the effect of third party funds, capital adequacy, credit risk, and credit interest rates simultaneously on profitability in LQ-45 Banking Sector companies. (2) the effect of partial third party funds on profitability in LQ-45 Banking Sector companies (3) the effect of partial capital adequacy on profitability in LQ-45 Banking Sector companies (4) the effect of partial credit risk on profitability at LQ-45 companies Banking Sector (5) partially affect credit interest rates on profitability in the Banking Sector LQ-45 company. This research was conducted at the Indonesia Stock Exchange (BEI) which is located at Jalan Jenderal Sudirman Kav. 52-53, Jakarta 12190. The population and sample in this study were 5 banking sector companies in the LQ45 index. This study uses financial statement data for the past 14 years with 70 units of analysis to be used. The results showed that third party funds, capital adequacy, credit risk, and lending rates jointly affect profitability, third party funds affect profitability, capital adequacy affects profitability, credit risk affects profitability, and lending rates affect towards profitability in the LQ45 index banking sector company.

Downloads

Download data is not yet available.

References

Ahmad, Badawi. 2017. Effect of Credit Risk, Liquidity Risk, and Market Risk Banking to Profitability Bank. European Journal of Business and Management. Vol. 9, No. 29.
Anggreni, Ria M., Suradhika Sadha. 2014. Pengaruh Dana Pihak Ketiga, Kecukupan Modal, Resiko Kredit, dan Suku Bunga Kredit pada Profitabilitas. E-Jurnal Akuntansi Universitas Udayana. 27-38.
Bapepam Nomor : 80/PM/1996. Tentang kewajiban bagi setiap emiten dan perusahaan publik untuk menyampaikan laporan keuangan tahunan perusahaan dan laporan audit independennya kepada Bapepam selambat-lambatnya pada akhir bulan keempat (120) setelah tanggal laporan keuangan tahunan perusahaan.
Damodar N., Gujarati dan Dawn C. Porter. 2009. Basic Econometric 5th Edition. McGraw –Hill: New York.
Dendawijaya, Lukman. 2009. Manajemen Perbankan. Jakarta: Ghalia Indonesia.
Dietrich, A. & Wanzenried, G. 2009. What Determines the Profitability of Commerial Banks? New Evidence from Switzerland, European Financial Management Association, 1-39.
Didik, Riyanto., Dwi Asih S. 2017. The Effect Analysis Risk of Credit, Liquidity and Capital on Banking Probability. Global Journal of Management and Business Research. Vol. 1, No. 2.
Djarwanto PS, dan Subagyo, Pangestu. 2005. Statistik Induktif. Edisi Kelima. Yogyakarta : BPFE.
Fahmi, Irham. 2013. Analisis Laporan Keuangan. Bandung: Alfabeta.
Fahmi, Irham. 2015. Pengantar Manajemen Keuangan Teori dan Soal Jawaban. Bandung: Alfabeta.
Febri, Ayu K., Putu Santi S. 2015. Pengaruh Dana Pihak Ketiga, Kecukupan Modal, Resiko Kredit, dan Likuiditas terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana. Vol. 4, No. 12.
Ghozali, Imam. 2011. Aplikasi Analisis Multivariate Dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.
Ghozali,Imam. 2016. Aplikasi Analisis Multivariete Dengan Program (IBM SPSS). Edisi 8. Badan Penerbit Universitas Diponegoro. Semarang.
Hery, Achmad 2014. Analysis of the effect of Capital, Operational Efficiency, Credit Risk and Profitability to the Implementation of Banking Intermediation Functions. Academic Research International. Vol. 5, No. 4.
Hery. 2016. Analisis Laporan Keuangan. Jakarta: Penerbit PT Grasindo.
Irwan, Manggara H. 2018. Impact of Bank Performance on Profitability. Scholars Journal of economics, Business and Management. Vol. 1, No. 6.
Imami, Aulia. 2018. Analysis of The Effect of Capital, Credit Risk, and Liquidity Risk on Profitability in Banks. Jurnal Ilmu Manajemen dan Ekonomika. Vol. 10, No. 2.
Ismail. 2013. Manajemen Perbankan dari Teori Menuju Aplikasi. Edisi Ketiga. Kencana. Jakarta.
Ikatan Akuntan Indonesia. 2015. Standar Akuntansi Keuangan. Jakarta: Ikatan Akuntan Indonesia.
Kasmir. 2013. Analisis Laporan Keuangan. Rajawali Pers : Jakarta.
Kuncoro, Mudrajad & Suhardjono, 2011. Manajemen Perbankan. BPFE, Yogyakarta.
Margaretha, Farah. 2017. Factors That Affect Profitability. KINERJA. Vol. 21, No. 51
Nandadipa, Seandy, 2010. Analisis Pengaruh CAR, NPL, Inflasi, Pertumbuhan DPK, dan Exchange Rate Terhadap LDR. Riset Akuntansi dan Keuangan Indonesia. Vol. 1, No. 2.
Nuritomo. 2014. Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat.
Noor, Innes. 2018. The Impact of Ability to Channel Funds and Non Performing Loan on Profitability. International Journal of Education and Research. Vol. 6, No. 12.
Peraturan Otoritas Jas Keuangan Nomor 34/POJK.03/2016 Mengenai Perubahan Atas Peraturan Nomor 11/POJK.03/2016 Tentang Kewajiban Penyediaan Modal Minimum Bank Umum
Peraturan Otoritas Jas Keuangan Nomor 18/POJK.03/2016 Tentang Penerapan Manajemen Risiko Bagi Bank Umum
Peraturan Otoritas Jas Keuangan Nomor 15/POJK.03/2017 Tentang Penetapan Status dan Tindak Lanjut Pengawasan Bank Umum
Peraturan Otoritas Jas Keuangan Nomor 37/POJK.03/2017 Tentang Transparansi Informasi Suku Bunga Dasar Kredit
Pramudhito R.A. Sasongko. 2014. Analisis Pengaruh CAR, NPF, BOPO, FDR, dan NCOM Terhadap Profitabilitas Bank Umum Syariah di Indonesia. Academic Research International. Vol. 1, No. 3.
Prakash, Ravi. 2012. The Impact of Credit Risk Management on Financial Performance. International Journal of Arts and Commerce. Vol. 1, No. 5.
Sekaran, U. 2011. Metode Penelitian Untuk Bisnis 4. (4th ed). Jakarta: Salemba Empat.
Siamat, Dahlan. 2010. Manajemen Lembaga Keuangan, Edisi Keempat. Lembaga Penerbit FE Universitas Indonesia, Jakarta.
Perenrengi, Sudarmin., Tyagya Whisnu H. 2018. Pengaruh Dana Pihak Ketiga, Kecukupan Modal, dan Penyaluran Kredit terhadap Profitabilitas. JMSAB. Vol. 1, No. 1.
Rufo, Mendoza., John Paolo R. 2017. Analysis of the effect of Capital, Operational Efficiency, Credit Risk The Effect Credit Risk and Capital Adequacy on the.
Setiawan. Erma. Dimas Ilham., Indah Nur. 2017. Pengaruh Kecukupan Modal, Resiko Pembayaran, Efisiensi Operasional, dan Likuiditas terhadap Profitabilitas. Riset Akuntansi dan Keuangan Indonesia. Vol. 2, No. 2.
Sunariyah. 2013. Pengantar Pengetahuan Pasar Modal (Edisi 6). Penerbit : UPP
STIM YKPN, Yogyakarta.
Sufa, M. F. 2008. Strategi Peningkatan Kinerja Pada Bank X dengan Business Process Map. Jurnal Universitas Muhammadiyah Surakarta.
Untung, Budi. 2012. Kredit Perbankan di Indonesia. Yogyakarta: Penerbit Andi.
Yusuf. Muhammad. Surachman Surjaatmadja. 2017. Analysis of Financial Performance on Profitability with Non Performance as Variable Moderation. International Journal of Economics and Financial. Vol. 2, No. 6.
Published
2020-01-16
How to Cite
., S., Ibrahim, R., & Saputra, M. (2020). The Effect Of Third Party Funds, Capital Adequacy, Credit Risk, And Credit Interest Rate On Profitability In LQ45 Index Company Companies In 2005-2018. Journal of Research in Business, Economics and Management, 14(1), 2601-2609. Retrieved from http://scitecresearch.com/journals/index.php/jrbem/article/view/1822
Section
Articles