The Influence of Capital Adequacy Ratio (Car), Loan to Deposit Ratio (Ldr) And Non-Performing Loan (Npl) on Profitability

This research aims to analyze the influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Non-Performing Loans (NPL) on the Profitability of Banks listed on the Indonesia Stock Exchange in the period 2019 - 2021. The data used in this research was obtained from Banking Financial reports published by the Indonesian Stock Exchange. After carrying out the purpose sampling techniques, a suitable sample of 41 banks was used. The data analysis technique in this research uses multiple regression analysis. The type of data used is secondary data which is obtained by collecting all the necessary data in the form of financial reports for each sample company in each research period, so to determine the accuracy of the model it is necessary to test several classic assumptions underlying the regression model. Classical assumption tests used in this research include the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. Based on the research results, it shows that the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Non-Performing Loans (NPL) have a simultaneous and significant effect on the profitability of banks listed on the Indonesian Stock Exchange.