PENGARUH KECUKUPAN MODAL, RISIKO KREDIT, EFISIENSI OPERASIONAL, DAN LIKUIDITAS TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN KONVENSIONAL DI INDONESIA

This research aims to analyze the influence of capital adequacy, credit risk, operational efficiency and liquidity on the profitability of conventional banking companies in Indonesia. This research uses associative research using a quantitative approach sourced from company financial reports. The number of samples used was 39 samples of conventional banking companies listed on the Indonesian Stock Exchange in 2020-2022. The sampling technique uses purposive sampling. The data analysis method used is the panel data regression test using eviews 12. The results of this study show that partially the capital adequacy variable (CAR) has no significant effect on profitability (ROA), credit risk (NPL) has no significant effect on profitability (ROA), operational efficiency (BOPO) has a significant negative effect on profitability (ROA) and liquidity (LDR) has no significant effect on profitability (ROA).