RAHAGI, Muhammad Raditya (2023) Analysis ff Factors Affecting The Profitability of Digital Bank In Indonesia. Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

This research takes the title: "Analysis of Factors Affecting the Profitability of Digital Banks in Indonesia (Empirical Study on Digital Banking Companies Listed on Indonesian Stock Exchange)". This study aims to find out how big the Loan to Deposit Ratio, Non Performing Loans, Capital Adequacy Ratio to profitability (ROA) with Net Interest Margin as mediation. The population in this study are 7 digital banking companies listed on the Indonesia Stock Exchange which regularly issue quarterly financial reports during the observation period, namely 2019 to third quarter of 2022. Based on the results of research and data analysis using SEM (Structural Equation Modeling) - PLS (Partial Least Square) shows that: (1) Loan to Deposit Ratio has positive effect on Profitability (ROA), (2) Loan to Deposit Ratio has a positive effect on Net Interest Margin, (3) Net Interest Margin has a positive effect on Profitability (ROA), (4) Net Interest Margin is able to mediate between Loan to Deposit Ratio and Profitability (ROA), (5) Non Performing Loans no significant on Profitability (ROA), (6) Capital Adequacy Ratio has a negative effect on Profitability (ROA). The implication of the results of this study is that digital bank companies on the Indonesian stock exchange can continue to increase loans and use capital for business continuity.

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