?url_ver=Z39.88-2004&rft_id=1911031036&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PENGARUH+TINGKAT+KECUKUPAN+MODAL%2C+RISIKO+KREDIT%2C+RISIKO+PASAR%2C+RISIKO+OPERASIONAL%2C+DAN+RISIKO+LIKUIDITAS+TERHADAP+PROFITABILITAS+PERBANKAN+DI+INDONESIA&rft.creator=ADIKA+GHALIH+PRANA%2C+AJI&rft.subject=332+Ekonomi+keuangan&rft.description=This+study+aims+to+analyze+the+effects+of+Capital+Adequacy+Ratio+(CAR)%2C+Credit+Risk+(NPL)%2C+Market+Risk+(NIM)%2C+Operational+Risk+(BOPO)%2C+and+Liquidity+Risk+(LDR)+on+the+profitability+(ROA)+of+conventional+banks+in+Indonesia+for+the+2022-2023+period.+The+data+used+are+secondary+data+sourced+from+financial+reports+obtained+from+the+official+websites+of+the+Financial+Services+Authority+(OJK)+and+related+companies.+The+sample+consists+of+65+conventional+banks+selected+using+purposive+sampling%2C+with+a+total+of+130+observations.+The+results+of+multiple+linear+regression+analysis+indicate+that+NPL%2C+BOPO%2C+and+LDR+have+a+significant+negative+effect+on+ROA%2C+while+NIM+has+a+significant+positive+effect.+CAR+has+no+significant+effect+on+ROA.+This+study+emphasizes+the+importance+of+effective+risk+management+in+supporting+bank+profitability%2C+aligning+with+core+capital-based+grouping+policies+(KBMI)+regulated+by+POJK+No.12%2FPOJK.03%2F2021.+Banks+with+efficient+risk+management+are+more+likely+to+enhance+profitability.%0D%0A%0D%0APenelitian+ini+bertujuan+untuk+menganalisis+pengaruh+tingkat+kecukupan+modal+(CAR)%2C+risiko+kredit+(NPL)%2C+risiko+pasar+(NIM)%2C+risiko+operasional+(BOPO)%2C+dan+risiko+likuiditas+(LDR)+terhadap+profitabilitas+(ROA)+bank+konvensional+di+Indonesia+periode+2022-2023.+Data+yang+digunakan+adalah+data+sekunder+berupa+laporan+keuangan+yang+diperoleh+dari+situs+resmi+Otoritas+Jasa+Keuangan+(OJK)+dan+perusahaan+terkait.+Sampel+penelitian+terdiri+dari+65+bank+konvensional+yang+dipilih+menggunakan+metode+purposive+sampling+dengan+total+130+observasi.+Hasil+analisis+regresi+linier+berganda+menunjukkan+bahwa+NPL%2C+BOPO%2C+dan+LDR+berpengaruh+negatif+signifikan+terhadap+ROA%2C+sedangkan+NIM+berpengaruh+positif+signifikan.+CAR+tidak+berpengaruh+signifikan+terhadap+ROA.+Penelitian+ini+menyoroti+pentingnya+pengelolaan+risiko+yang+efektif+dalam+mendukung+profitabilitas+bank%2C+sejalan+dengan+kebijakan+pengelompokan+berdasarkan+modal+inti+(KBMI)+yang+diatur+dalam+POJK+Nomor+12%2FPOJK.03%2F2021.+Bank+yang+mampu+mengelola+risiko+secara+efisien+lebih+berpeluang+meningkatkan+profitabilitas.&rft.publisher=FAKULTAS+EKONOMI+DAN+BISNIS&rft.date=2025-02-14&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F86320%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F86320%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F86320%2F3%2FSKRIPSI%2520FULL%2520TANPA%2520PEMBAHASAN.pdf&rft.identifier=++ADIKA+GHALIH+PRANA%2C+AJI++(2025)+PENGARUH+TINGKAT+KECUKUPAN+MODAL%2C+RISIKO+KREDIT%2C+RISIKO+PASAR%2C+RISIKO+OPERASIONAL%2C+DAN+RISIKO+LIKUIDITAS+TERHADAP+PROFITABILITAS+PERBANKAN+DI+INDONESIA.++FAKULTAS+EKONOMI+DAN+BISNIS%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F86320%2F