Electronic Theses and Dissertation

Penelitian ini bertujuan untuk menganalisis pengaruh struktur modal, efisiensi operasional, pendapatan non-bunga, dan ukuran perusahaan terhadap profitabilitas pada perbankan yang tercatat di Bursa Efek Indonesia periode 2020-2024. Populasi penelitian berjumlah 47 perusahaan dengan sampel sebanyak 37 perusahaan yang ditentukan menggunakan metode purposive sampling. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi data panel menggunakan Eviews 12. Hasil penelitian menunjukkan bahwa Debt to equity ratio (DER) berpengaruh negatif namun tidak signifikan terhadap profitabilitas. Long-term debt ratio (LTDR) negatif namun tidak signifikan terhadap profitabilitas. Efisiensi operasional yang diukur dengan BOPO berpengaruh negatif dan signifikan terhadap profitabilitas. Fee-based income berpengaruh negatif dan signifikan terhadap profitabilitas. Sementara itu, ukuran perusahaan (firm size) berpengaruh negatif dan signifikan terhadap profitabilitas. Secara simultan, seluruh variabel independen berpengaruh signifikan terhadap profitabilitas. Hasil penelitian ini mengindikasikan bahwa efisiensi operasional merupakan faktor dominan dalam menentukan profitabilitas perbankan, sementara struktur pendanaan, diversifikasi pendapatan, serta skala usaha perusahaan perlu dikelola secara terintegrasi agar mampu meningkatkan kinerja keuangan bank secara berkelanjutan.
Kata Kunci: Profitabilitas, Debt to equity ratio, Long-term debt, BOPO, Fee Based Income, Ukuran Perusahaan, Perbankan

This research aims to analyze the influence of capital structure, operational efficiency, and non-interest income on the profitability of banks listed in the Indonesia Stock Exchange for the 2020-2024 period. The research population consists of 47 companies with a sample of 37 companies determined using the purposive sampling method. This research uses a quantitative approach with panel data regression analysis using Eviews 12. Research results show that Debt to equity ratio (DER) has a negative but insignificant effect on profitability. The Long-term debt ratio (LTDR) also has a negative but insignificant effect on profitability. Operational efficiency as measured by BOPO has a negative and significant effect on profitability. Fee-based income has a negative and significant effect on profitability. Meanwhile, firm size has a negative and significant effect on profitability. Simultaneously, all independent variables have a significant effect on profitability. These findings indicate that operational efficiency is the dominant factor in determining banking profitability, while capital structure, income diversification, and firm size need to be managed in an integrated manner to sustainably improve the financial performance of banks. Keywords: Profitability, Debt to equity ratio, Long-term debt, BOPO, Fee Based Income, Firm size, Banking