Jul 2026· Jurnal Akuntansi, Manajemen dan Bisnis Digital· Vol 5, pp. 1231-1244· 0 citations· 12 references
Abstract
The purpose of this research is to analyze the relationship between liquidity and the profitability of Indonesian commercial banks from 2021 to 2024. The Loan to Deposit Ratio (LDR) is a liquidity metric, whereas the RO) is a measure of profitability. The commercial banks that were active in Indonesia over the time frame of this study make up the population. With the use of purposive sampling, a total of fifteen banks were examined, yielding sixty observations. Secondary data culled from Financial Services Authority annual reports served as the basis for this study. We used Microsoft Excel to process the data.Simple linear regression analysis is the analytical approach used in this investigation. There was no statistically significant relationship between ROA and the Loan to Deposit Ratio (LDR), according to the findings. According to the coefficient of determination, other factors account for 99.2% of the variation in ROA, whereas LDR only accounts for 0.8%. These results indicate that during the economic recovery phase following a pandemic, liquidity is not the main factor that determines a bank's profitability.
This study aims to analyze the effect of net loans disbursed on the profitability of conventional commercial banks listed on the Indonesia Stock Exchange during the 2023–2025 period. The study is motivated by the strategic role of banks' intermediation function in supporting the post-COVID-19 economic recovery, as well...
Geraldine Eileen Alexandra, Jesselyn Sumadihardja, Mardiana· Ilmu Ekonomi Manajemen dan A...· 0 citations
This study aims to evaluate the influence of Firm Size, Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), and Operating Expenses to Operating Income (BOPO) on profitability (Return on Assets) of conventional commercial banks in Indonesia for the period 2021-2024. The study population comprised all conventional c...
Muhammad Dhafa, N. Dwiningsih· Siber Nusantara of Economic...· 0 citations
The empirical findings reveal that, when considered jointly, credit risk, liquidity, and capital adequacy exert a statistically significant influence on profitability, but at the partial level, only liquidity, as proxied by the Loan to Deposit Ratio, demonstrates a positive and statistically significant impact on Retur...
J. Rahmawati, R. Widhiastuti· Siber Nusantara of Economic...· 0 citations
This study aims to analyze the impact of the RGEC framework (Risk Profile, Good Corporate Governance, Earnings, and Capital) on banking profitability in Indonesia, proxied by Return on Assets (ROA). The population consists of all banks operating in Indonesia, with a purposive sampling technique resulting in 230 observa...
This study analyzes the impact of the Sustainable Financing Ratio (SFR) on the credit risk and profitability of KBMI IV banks in Indonesia during the 2015–2025 period. Credit risk is proxied by the Non-Performing Loan (NPL) ratio, while profitability is proxied by Return on Assets (ROA). The Capital Adequacy Ratio (CAR...
Qaedi Taris· West Science Journal Economi...· 0 citations
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