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Analisys on the Effectsof CAR and NPL on Profitability with LDR as an Intervening Variable; a case study on Commercial Banks Listed on the Indonesia stock Exchange for the 2018-2020 period: Case Study on Comersial banks listed on the Indonesia Stock exchange for the 2018-2020

Hasanuddin Journal of Applied Business and Entrepreneurship · Vol. 5 No. 2 (2022) · pp. 49–59

ISSN
2598-0890, 2598-0882
Published
2022-08-22
Publisher
Master of Management, Faculty of Economics and Business, Hasanuddin University.
Language
en

Abstract

Analisys on the Effectsof CAR and NPL on Profitability with LDR as an Intervening Variable; a case study on Commercial Banks Listed on the Indonesia stock Exchange for the 2018-2020 period ( Supervised by Erlinna Pakki and Andi Aswan) Profitability or the ability to earn a profit is a measure in proportion used to assess to what extent the company is able to generate profits at an acceptable level. Profitability fiqures Include profit figures before or after tax, investment return, earnings per share, and profit on sales. the factors affecting profitability in this study are CAR, NPL, and LDR as the Intervening variables. the data used are secondary data with time series as data collection method. the data used in the annual financial statements of general bangking companies listed on the Indonesia Stock Exchange for the 2018-2020 period consist of 50 samples. the results of the secondary data collected through financial statements have been tested by hypothesis testing. the data were analyzed using descriptive statistical analysis technique, measuring model test or outer model, and structural model test or inner model. the results show that CAR has a positive and insignificant effect on LDR; CAR has a positive and significant effect on ROA; LDR has a positive and insignificant effect on ROA; NPL has a negative and insignificant effect on LDR; NPL has a negative and significant effect on ROA; CAR through LDR has a positive and insignificant effect on ROA, and NPL through LDR has a positive and not significant effect on ROA.

Keywords

Collaboration network of the authors

20 authors · 31 co-authorship links

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  • Institut Sains dan Bisnis Internasional Singkawang
  • Affiliation unknown
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Co-authorOrganisationJoint articles
Cepi PahleviAffiliation unknown2
M SobarsyahAffiliation unknown1
Mutmainnah MuslimAffiliation unknown1
Andi Kabila T SoseAffiliation unknown1
Rakhman LabaAffiliation unknown1
Andi Ratna Sari DewiAffiliation unknown1
Teguh PernandaAffiliation unknown1
HasdianaAffiliation unknown1
Ria MardianaAffiliation unknown1
SITI HAMIDAHAffiliation unknown1
Ali ImranInstitut Sains dan Bisnis Internasional Singkawang1
Fauzi R. RahimAffiliation unknown1
Dian ParawansaAffiliation unknown1
Rezaldy Giffary P. Ilham EcaAffiliation unknown1
Hamka Yudha PratamaAffiliation unknown1
Andi Ratna Sari DewiAffiliation unknown1
Fakhryadi AmranAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unhas.ac.id/index.php/hjabe/oai, first harvested 2 Nov 2026, last seen 2 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en">Analisys on the Effectsof CAR and NPL on Profitability with LDR as an Intervening Variable; a case study on Commercial Banks Listed on the Indonesia stock Exchange for the 2018-2020 period : Case Study on Comersial banks listed on the Indonesia Stock exchange for the 2018-2020</dc:title>
	<dc:creator xml:lang="en">Yoga, Riska Prayoga</dc:creator>
	<dc:creator xml:lang="en">Pakki, Erlina</dc:creator>
	<dc:creator xml:lang="en">Aswan, Andi</dc:creator>
	<dc:subject xml:lang="en">Capital adequacy ratio (CAR)</dc:subject>
	<dc:subject xml:lang="en">Non Performing Loan (NPL)</dc:subject>
	<dc:subject xml:lang="en">Loan to Deposit ratio (LDR)</dc:subject>
	<dc:subject xml:lang="en">Profitability</dc:subject>
	<dc:description xml:lang="en">Analisys on the Effectsof CAR and NPL on Profitability with LDR as an Intervening Variable; a case study on Commercial Banks Listed on the Indonesia stock Exchange for the 2018-2020 period ( Supervised by Erlinna Pakki and Andi Aswan)&amp;nbsp;
Profitability or the ability to earn a profit is a measure in proportion used to assess to what extent the company is able to generate profits at an acceptable level. Profitability fiqures Include profit figures before or after tax, investment return, earnings per share, and profit on sales. the factors affecting profitability in this study are CAR, NPL, and LDR as the Intervening variables. the data used are secondary data with time series as data collection method. the data used in the annual financial statements of general bangking companies listed on the Indonesia Stock Exchange for the 2018-2020 period consist of 50 samples. the results of the secondary data collected through financial statements have been tested by hypothesis testing. the data were analyzed using descriptive statistical analysis technique, measuring model test or outer model, and structural model test or inner model. the results show that CAR has a positive and insignificant effect on LDR; CAR has a positive and significant effect on ROA; &amp;nbsp;LDR has a positive and insignificant effect on ROA; NPL has a negative and insignificant effect on LDR; NPL has a negative and significant effect on ROA; CAR through LDR has a positive and insignificant effect on ROA, and NPL through LDR has a positive and not significant effect on ROA.&amp;nbsp;</dc:description>
	<dc:publisher xml:lang="en">Master of Management, Faculty of Economics and Business, Hasanuddin University.</dc:publisher>
	<dc:date>2022-08-22</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unhas.ac.id/index.php/hjabe/article/view/21784</dc:identifier>
	<dc:source xml:lang="en">Hasanuddin Journal of Applied Business and Entrepreneurship; Vol. 5 No. 2 (2022): Hasanuddin Journal of Applied Business and Entrepreneurship; 49-59</dc:source>
	<dc:source>2598-0890</dc:source>
	<dc:source>2598-0882</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://journal.unhas.ac.id/index.php/hjabe/article/view/21784/8524</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2022 Hasanuddin Journal of Applied Business and Entrepreneurship</dc:rights>
</oai_dc:dc>