PENGARUH KETIDAKPASTIAN DUNIA, KETIDAKPASTIAN KEBIJAKAN EKONOMI, RASIO KECUKUPAN MODAL, KREDIT BERMASALAH TERHADAP PROFITABILITAS BANK YANG TERDAFTAR DI BURSA EFEK INDONESIA
DOI:
https://doi.org/10.35794/jmbi.v11i3.60416Abstrak
Abstrak: Penelitian ini menyelidiki pengaruh faktor eksternal dan internal terhadap profitabilitas bank yang terdaftar di Bursa Efek Indonesia (IDX) antara tahun 2019 hingga 2023. Fokus utama dari penelitian ini adalah untuk menganalisis dampak ketidakpastian dunia dan ketidakpastian kebijakan ekonomi sebagai faktor eksternal, serta rasio kecukupan modal (Capital Adequacy Ratio - CAR) dan kredit macet (Non-Performing Loans - NPL) sebagai faktor internal. Dengan menggunakan data sekunder yang diperoleh dari laporan tahunan bank, analisis regresi data panel dilakukan dengan menerapkan model efek acak untuk mengevaluasi hubungan antar variabel. Hasil penelitian menunjukkan bahwa ketidakpastian dunia dan rasio kecukupan modal berpengaruh positif yang signifikan terhadap profitabilitas bank, sementara kredit macet memberikan pengaruh negatif. Sebaliknya, ketidakpastian kebijakan ekonomi ditemukan tidak memiliki dampak yang signifikan terhadap profitabilitas. Penelitian ini diharapkan dapat menambah pemahaman mengenai bagaimana dinamika internal dan eksternal memengaruhi performa keuangan bank di Indonesia, serta memberikan wawasan bagi pembuat kebijakan dan institusi keuangan dalam menghadapi ketidakpastian.
Kata Kunci: Profitabilitas Bank, Ketidakpastian Dunia, Ketidakpastian Kebijakan Ekonomi, Rasio Kecukupan Modal, Kredit Macet
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