ANALISIS PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS SUB SEKTOR BANK PT. BPD SUMSEL BABEL
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Proftitabiitas,
Current Ratio,
Total Asset Turnover,
Debt to Total Asset,
Return On Assets
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Abstract
Analisis pengaruh kinerja dan rasio keuangan terhadap profitabilitas pada sub-sektor bank, dengan fokus pada studi kasus PT. BPD Sumsel Babel. Metode penelitian yang digunakan melibatkan regresi berganda dalam lingkungan SPSS, dengan variabel independen berupa current ratio, total asset turnover, dan debt to total asset yang diuji terhadap variabel dependen Return On Assets (ROA). Hasil analisis menunjukkan adanya pengaruh yang signifikan dari masing-masing variabel independen terhadap profitabilitas bank. Current ratio memberikan gambaran tentang kemampuan bank dalam membayar kewajiban jangka pendek, total asset turnover menggambarkan efisiensi penggunaan aset, debt to total asset memberikan informasi tentang tingkat utang bank. Dengan menggunakan dataset selama lima tahun, penelitian ini memberikan wawasan mendalam tentang dinamika kinerja keuangan PT. Bank Sumsel Babel dan implikasi terhadap profitabilitasnya. Temuan ini dapat menjadi panduan berharga bagi praktisi keuangan, pengambil kebijakan, dan peneliti yang tertarik dalam meningkatkan kinerja sektor perbankan.
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