PENGARUH RISIKO KREDIT, TINGKAT SUKU BUNGA DAN TINGKAT KECUKUPAN MODAL TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2013-2015

Abstract

ABSTRACT
The research has a purpose to determine the effect of simultaneous and
partial credit risk, interest rate and capital adequacy rate on profitability at
companies listed on the Indonesia Stocks ExchangeTe technique used is purpose
sampling with the criteria of banking companies listed on the Indonesia Stocks
Exchange in the period 2013-2015. Obtained a number of samples of 21 banking
companies.
The method used in this research is deskriptif statistical test, normality
test, multiple linear regression test, clasiccal assumption test that includes
multikolonierity test, autocorrelation test and heterokedastisity test and
hypothesis test that includes partial and simultaneous test.
The result of this study indicate that 1) credit risk has a significant
negative effect on profitability in banking companies listed on the Indonesia
Stocks Exchange in 2013-2015, 2) interest rates have an insignificant negative
effect on profitability on banking companies listed on the Indonesia Stocks
Exchange in 2013-2015, 3) the level of capital adequacy has a significant positive
effect on profitability in banking companies listed on the Indonesia Stocks
Exchange in 2013-2015.
Keyword : Credit Risk, Interest Rates, Capital Adequacy and Profitability.