The Effect of Credit Distribution, Operating Costs, Operating Income and Credit Interest Rates on the Financial Performance of Indonesian Banking

Rochman Arif; Bandi Bandi; Agung Nur Probohudono; Djuminah Djuminah

doi:10.55927/eajmr.v4i5.174

Authors

Rochman Arif Islamic University of Lamongan
Bandi Bandi Sebelas Maret University
Agung Nur Probohudono Sebelas Maret University
Djuminah Djuminah Sebelas Maret University

DOI:

https://doi.org/10.55927/eajmr.v4i5.174

Keywords:

Financial Performance of Credit Distribution, Operating Income, Credit Interest Rates

Abstract

This study aims to determine the effect of credit distribution, Operating Costs Operating Income and credit interest rates on profitability in banking companies listed on the Indonesia Stock Exchange in 2020-2022. This study is quantitative using multiple linear regression analysis techniques and descriptive statistical analysis methods. The study population was 47 banking companies, with a total research sample of 90 for 3 (three) periods. The results of the study indicate that the credit distribution variable has a significant effect on the profitability variable, the Operating Costs Operating Income variable has a significant effect on the profitability variable, while the credit interest rate variable has no effect on the profitability variable.

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