The Effect Of Credit Risk Management On Profitability Moderated By The Cash Ratio
DOI:
https://doi.org/10.32528/issh.v2i3.401Keywords:
Loan to Deposit ratio, Non Perfoming Loan, Return On Assets, Cash RatioAbstract
The purpose of this research is to determine the effect of Credit Risk Management as measured by Loan to Deposit Ratio (LDR) and Non Perfoming Loans (NPL) on Profitability as measured by Return On Assets moderated by Cash Ratio in conventional banking companies listed on the Indonesia Stock Exchange for the 2017-2021 period. This study uses 16 banking samples from purposive sampling results from a total population of 43 banking sectors. The analytical method used is panel data regression analysis and moderating regression analysis using interaction test with the help of Eviews 10 application. These results indicate that the LDR partially has a positive and significant effect on profitability. NPL partially has a negative and significant effect on profitability. In addition, the cash ratio variable as a moderating variable is known to be unable to moderate the LDR to Profitability and the Cash ratio is unable to moderate NPL to Profitability
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