PENGARUH RASIO KEUANGAN DAN MAKRO EKONOMI TERHADAP KINERJA KEUANGAN PADA PERBANKAN YANG TERDAFTAR DI BEI TAHUN 2019-2023

Abstract

The aim of this research is to analyze the influence of financial and macroeconomic ratios on the financial performance of banks listed on the BEI in 2019-2023. The data used is secondary data obtained from the official websites of the Indonesian Stock Exchange and Bank Indonesia. The sampling method was carried out using purposive sampling with 13 banks sampled during the research period. The data analysis used is multiple linear regression which consists of classic assumption tests and hypothesis tests. The research results prove that 1) Capital Adequacy Ratio has a negative and insignificant effect on Return on Assets, 2) Loan to Deposit Ratio has a negative and significant effect on Return on Assets, 3) Inflation has a negative and insignificant effect on Return on Assets, 4) BI- 7 Day Reverse Repo Rate has a positive and significant effect on Return on Assets (ROA). Simultaneous testing proves that the Capital Adequacy Ratio, Loan to Deposit Ratio, Inflation, and BI-7 Day Reverse Repo Rate have a positive and significant effect on financial performance as measured using Return on Assets (ROA) in banks listed on the BEI in 2019-2023.