Pengaruh Intellectual Capital, Risiko Kredit Dan Efisiensi Pada Profitabilitas Bank Konvensional Periode 2016-2020
Keywords:
VAIC NPL BOPO ROAAbstract
Technological advancements encourage banks to maximize intellectual capital, which can provide banks with added value. Credit risk management can help banks reduce losses when channeling credit; efficient business operations can also help banks increase profits.The purpose of this study is to learn about the effects of intellectual capital, credit risk, and efficiency on profitability in conventional banks from 2016 to 2020. The quantitative study used 20 conventional bank samples that were analyzed along with value added intellectual capital (VAIC), credit risk (NPL), and efficiency (BOPO) in relation to profitability ratio (ROA). The research method employs multiple liniear regression analysis technique, which results VAIC had positive and signifikan effect, NPL (Non Performance Loan) had negative but not signifikan effect on ROA, and BOPO (Beban Operasional Pendapatan Operasional) had negative and signifikan on ROA. Simultaneously, each variable has a significant effect.
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