GULTOM, RICHO MELCHIORY and Widiyanti, Marlina and Taufik, Taufik (2019) Effect Analysis of Liquidity,Credit Risk And Market Risks Against Government Bank Profits And Private Banks Registered on the Indonesia Stock Exchange. International Journal of Scientific Research and Engineering Development, 2 (1). pp. 1-11. ISSN 2581-7175
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Abstract
The purpose of this study was to analyze the financial condition of national banks and private banks, whether there were significant differences in the financial ratios that were set (LDR, CAR, NPL and NIM) in achieving the desired profit. The research was conducted from 2008 to 2017. The total sample was 10 banks, namely 4 state banks (State-Owned Enterprises / BUMN) and 6 Private banks (National Private Commercial Banks / BUSN) which had the biggest profit in 2017. Analysis tools used was the independent sample t-test using SPSS software. The results of the study showed that the two types of banking had a positive influence on LDR on bank profits, because banks obtained profits from interest and fees from loans channeled. Whereas in the CAR variable, the two types of banking have no effect on profits, this is because capital is only mandatory in accordance with regulatory regulations. In the NPL variable, state-owned banks have a negative influence on earnings while BUSN banks have a positive effect on earnings. Whereas in the NIM variable both types of banking have no influence on earnings.
| Item Type: | Article |
|---|---|
| Subjects: | #3 Repository of Lecturer Academic Credit Systems (TPAK) > Articles Access for TPAK (Not Open Sources) |
| Divisions: | 01-Faculty of Economics > 61201-Management (S1) |
| Depositing User: | Tn Taufik Taufik |
| Date Deposited: | 19 May 2023 08:57 |
| Last Modified: | 19 May 2023 08:57 |
| URI: | http://repository.unsri.ac.id/id/eprint/103973 |
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