The Impact Of Credit Risk, Distribution of Interest Rate And Liquidity on Bank Profitability

Sinta Purnama Sari
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Abstract

The development of Islamic finance in Indonesia is needed to strengthen a sustainable economic structure. This data was based on the promising potential of Islamic economic and financial growth. This study examines the impact of credit risk, the spread of interest rates, and bank profitability liquidity. The population in this study is Islamic banking companies in Indonesia during the 2014-2018 period. The sample was chosen from the purposive sampling method and obtained a selection of 50 companies from several criteria. The data source is secondary data. This research uses multiple linear regression analysis with the help of SPSS version 21. The results of this research show that credit risk and liquidity affect bank profitability. At the same time, the spread of interest rates does not affect the profitability of banks.
信用风险、利率分布和流动性对银行盈利能力的影响
印度尼西亚需要发展伊斯兰金融,以加强可持续的经济结构。这一数据是基于伊斯兰经济和金融增长的巨大潜力。本研究考察信贷风险、利率息差和银行盈利能力流动性的影响。本研究中的人口是2014-2018年期间印度尼西亚的伊斯兰银行公司。样本是从有目的的抽样方法中选择的,并从几个标准中选择了50家公司。数据源为辅助数据。本研究使用多元线性回归分析,帮助SPSS版本21。研究结果表明,信贷风险和流动性影响银行盈利能力。同时,利差并不影响银行的盈利能力。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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