The Effect of Capital Adequacy, Lending Interest Rates, Credit Risk and Third Party Funds on Return on Asset (ROA) (Empirical Study on Conventional Banking Companies Listed on the Indonesia Exchange in 2019-2023)

Authors

  • Antoni Munzir Universitas Dian Nusantara, West Jakarta, Indonesia
  • Sigit Mareta Universitas Dian Nusantara, West Jakarta, Indonesia

DOI:

https://doi.org/10.38035/jafm.v6i3.1243

Keywords:

Third Party Funds, Capital Adequacy, Credit Risk,, Return On Asset, Credit Interest Rate

Abstract

This study is to determine the effect of third party fund growth, credit interest rates, credit risk, capital adequacy and economic conditions on profitability in the banking industry on the Indonesian stock exchange. The population in this study were banking companies on the Indonesian Stock Exchange for the period 2019-2023. The sampling technique used was purposive sampling, and 25 banking company. The data collection method used in this study was non-participant observation. The data analysis technique was carried out using multiple linear regression analysis with the help of the SPSS 27.0 application. Findings: The results of this study indicate that Capital Adequacy has a positive and insignificant effect on Return on Assets (ROA). Interest Rate Level has a positive and significant effect on Return on Assets (ROA). Credit Risk has a positive and significant effect on Return on Assets (ROA). Third Party Funds have a positive and insignificant effect on Return on Assets (ROA). The results of this study have implications for the Community who will invest, giving them a better basis in making savings and investment decisions. The author explains the importance of the Influence of Capital Adequacy, Credit Interest Rates, Credit Risk and third party funds on Return on Assets (ROA).

References

Aditya, I. G. N. W., & Badjra, I. B. (2018). Peran Profitabilitas Dalam Memediasi Pengaruh Tingkat Suku Bunga Dan Leverage Terhadap Return Saham. E-Jurnal Manajemen Universitas Udayana, 7(4), 1831. https://doi.org/10.24843/ejmunud.2018.v07.i04.p05

Arianti, R. N., & Abdullah, M. F. (2021). Analisis Pengaruh Suku Bunga, Inflasi Dan Pdb Terhadap Jumlah Permintaan Kredit Perbankan Di Indonesia Tahun 2009-2019. Jurnal Ilmu Ekonomi JIE, 5(1), 103–117. https://doi.org/10.22219/jie.v5i2.13901

Arsita Y. (2021). Analisis Rasio Keuangan Untuk Mengukur Kinerja Keuangan Pt Sentul City, Tbk. Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 2(1), 152–167.

Capriani, N. W. W., & Dana, I. M. (2019). Pengaruh Risiko Kredit Risiko Operasional Dan Risiko Likuiditas Terhadap Profitabilitas BPR Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 5(3), 1486–1512.

Christie, Jessica, & Mareni, Elyn, Medelin, Michelle, Song, W. (2021). The Effect of Covid-19 On Interest Rate. Jurnal Manajemen Dan Bisnis, 3(125180074), 1–16.

Hatiana, N., & Pratiwi, A. (2020). Pengaruh Dana Pihak ketiga dan Suku Bunga terhadap Profitabilitas pada PT. Bank Mega TBK. Owner (Riset Dan Jurnal Akuntansi), 4(2), 346. https://doi.org/10.33395/owner.v4i2.231

Laruli, L. (2021). Journal of Tompotika: Social, Economics, and Education Science (JTSEES). Journal of Tompotika: Social, Economics, and Education Science (JTSEES), 2(4), 850–103.

Mamangkey, J. . H. . (2021). The Effect of Third Party Funds, Capital Adequacy Ratio, Non Performing Loan, and Loan To Deposit Ratio On Total Lending at Commercial Banks Listed in Ojk Indonesia For The 2011-2018 Period. Ekonomi, Manajemen, Bisnis Dan Akuntansi, 9(1), 887–8897.

Mareta, S. (2017). ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI TIMELINESS PUBLIKASI LAPORAN KEUANGAN PERIODE 2009-2010 (Studi Empiris Pada Bursa Efek Indonesia). Jurnal Akuntansi, 19(1), 93. https://doi.org/10.24912/ja.v19i1.116

Mareta, S., Zulkifli Saputra, F., Zulkifli Muhammad, M., & Meiwanto Doktoralina, C. (2023). Leverage as Intervening Variable of Profitability Post-pandemic (Covid-19). KnE Social Sciences, 2023, 231–241. https://doi.org/10.18502/kss.v8i12.13673

Pratiwi, L. P. S. W., & Wiagustini, N. L. P. W. (2016). Pengaruh Car, Bopo, Npl Dan Ldr Terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana, 5(4), 255168.

Rais M,Manafe, & H. A., & Man, S. (2023). Pengaruh Dana Pihak Ketiga, Capital Adequecy Ratio dan Non Performing Financing terhadap Profitabilitas Perusahaan dengan Pembiayaan Sebagai Variabel Intervening pada perbankan Syari’ah (Suatu Kajian Studi Literatur Manajemen Keuangan Perusahan). Jurnal Ilmu Manajemen Terapan, 4(5), 686–695.

Sorongan, F. A. (2019). Pengaruh Return On Asset , Return On Equity , Earning Pershare Terhadap Harga Saham Pada Perusahaan Otomotif Yang Terdaftar BEI Fangky A . Sorongan Keywords?: fixed effect , profitabilitas , Return on Assets , Return on Equity , Earning per Kata Kunci?: Jmbi Unsrat (Jurnal Ilmiah Manajemen Bisnis Dan Inovasi Universitas Sam Ratulangi), 6(2), 106–114.

Suardika, Wayan, & I Endiana, I, Dewa Made, Pramesti, I. G. A. A. (2023). Pengaruh Return On Asset, Capital Adequacy Ratio, Non Performing Loan, Loan To Deposits Ratio, Biaya Operasional Dan Pendapatan Operasional Terhadap Financial Distress Pada BPR Di Kota Denpasar Tahun 2019- 2021. 5(3), 492–506.

Sumawati, N. K. A. (2019). Pengaruh Tingkat Suku Bunga, Perputaran Piutang, Dan Risiko Likuidasi Terhadap Profitabilitas (Studi Kasus di LPD Desa Pakraman Padang Tegal, Ubud, Gianyar Periode 2012-2016). Jurnal Sains, Akuntansi Dan Manajemen, 1(1), 221–253.

Ulva, H. (2021). Pengaruh Bopo, Fdr Dan Npf Terhadap Profitabilitas (Roa) Pada Bank Syariah Periode 2009-2019. El-Amwal, 4(1), 1. https://doi.org/10.29103/el-amwal.v4i1.3920

Yulistiani, I. G. A. R., & Suryantini, N. P. S. (2016). Pengaruh Perputaran Kas, Kecukupan Modal dan Risiko Operasi Terhadap Profitabilitas Pada Perusahaan Perbankan di BEI. E-Jurnal Manajemen Unud, 5(4), 2108–2136.

Published

2025-08-16

How to Cite

Munzir, A., & Mareta, S. (2025). The Effect of Capital Adequacy, Lending Interest Rates, Credit Risk and Third Party Funds on Return on Asset (ROA) (Empirical Study on Conventional Banking Companies Listed on the Indonesia Exchange in 2019-2023). Journal of Accounting and Finance Management, 6(3), 1521–1528. https://doi.org/10.38035/jafm.v6i3.1243

Most read articles by the same author(s)

Similar Articles

1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.