Determinansi Kinerja Laba Perbankan: Integrasi Tata Kelola, Rasio Keuangan Internal, dan Kebijakan Moneter
DOI:
https://doi.org/10.55606/jumia.v4i4.4582Keywords:
BI Rate, Capital Adequacy Ratio, Institutional Ownership, Loan to Deposit Ratio, ProfitAbstract
Banking company profits are a key indicator of management's success in carrying out its intermediary function, managing risk, and utilizing financial resources effectively. “The purpose of this study is to examine the effect of institutional ownership, Loan-to-Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and the BI Rate on profits in banking companies listed on the Indonesia Stock Exchange for the 2020–2024 period. The approach used in this study is quantitative explanatory research. The selected sample consisted of 37 banking companies with 185 observation samples obtained through purposive sampling. Data were analyzed using multiple linear regression analysis. The results of this study indicate that the Loan to Deposit Ratio (LDR) significantly influences profit, while institutional ownership, Capital Adequacy Ratio (CAR), and the BI Rate do not have a significant effect on profit. Simultaneously, all independent variables significantly affect profit with an R-square value of 5.3 percent, while the remaining 94.7 percent is influenced by other factors outside the model.”
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