PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS PADA PT BANK SHINHAN INDONESIA TAHUN 2020-2024

Authors

  • Elince Jane Kirsten Maarebia Politeknik Negeri Jakarta
  • Rodiana Listiawati Politeknik Negeri Jakarta

DOI:

https://doi.org/10.31959/jm.v14i3.3302

Abstract

Introduction: This study aims to analyze the impact of financial ratios on profitability at Bank Shinhan Indonesia from 2020 to 2024. Prof|itab|il|ity |is measured by Return on Assets (ROA), while the f|inanc|ial rat|ios tested |include Non-Perform|ing Loan (NPL), Loan to Depos|it Rat|io (LDR), Net |Interest Marg|in (N|IM), and the rat|io of Operat|ing Expenses to Operat|ing |Income (BOPO).
Methods: The method used |in this study |is quantitative | with multiple | linear regression analysis | techniques. The data used is from fireports.
Results: The results showed that part|ially, Non-Perform|ing Loan and Operat|ing Expenses to Operat|ing |Income had a negat|ive and s|ign|if|icant effect on Return on Assets, wh|ile Net |Interest Marg|in had a pos|it|ive and s|ign|if|icant effect, and Loan to Depos|it Rat|io had a pos|it|ive but |ins|ign|if|icant effect. S| Simultaneously, all four |independent variables have a significant impact on Return on Assets

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Published

2025-08-12

Issue

Vol. 14 No. 3 (2025)

Section

Articles

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Copyright (c) 2025 Elince Jane Kirsten Maarebia, Rodiana Listiawati

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