PENGARUH RISIKO KREDIT, PERPUTARAN KAS, DAN TINGKAT KECUKUPAN MODAL, TERHADAP PROFITABILITAS INSTITUSI KEUANGAN PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2014 – 2018

Abstract

This research was conducted by Indah Permatasari with student number: 540150013, using Indonesian with the title "Effects of Credit Risk, Cash Turnover, and Capital Adequacy Rate, Against the Profitability of Banking Financial Institutions Registered in the Period of 2014 - 2018" The theories used in this study are Agency theory, Trade Off Theory, Proprietary and Signal Theory.The type of data in this study uses quantitative data, the data sources used in this study are the annual financial statements of banking companies listed in www.idx.co.id issued by each company.

Based on the results of data analysis using an application application (JASP Version 0.9.2.0 Universitiet-Van-Amsterdam) shows that (1) Partially credit risk variables have a negative and significant effect on profitability with the results of the Thitung value of Thitung of -1.923 <Ttable of 2.11991, with the sign sign value is 0.072> 0.050. (2) Partially the cash turnover variable has a positive and significant effect on profitability with the T-count value of 4,462> 2.11991, with a sign value of 0.001> 0.050. (3) Partially the level of capital adequacy variable has a negative and significant effect on profitability with the result of T-count value of 0.328 <Ttable of 2.11991, with a sign sign value of 0.747> 0.050. (4) Simultaneously credit risk, cash turnover and level variables Capital adequacy on profitability has a positive effect with the results of the calculated F value of 17.88> Ftable 3.24, with a sign sign value of 0.001> 0.050.