Faizal Rizky Yuttama


Abstract. The more developed banking financial institutions, updates related to the development of the company will be very important towards industry 4.0. But profits that have not been stable, must continue to make improvements. This effort is to get high profits. With capital needed in the business in achieving the highest profit. The purpose of this study is to find out and analyze the influence of internal factors measured in the capital, liquidity, operating efficiency, and bad credit on profitability in banking companies. The empirical model is based on the research of Nicolae Petria, Bogdan Capraru, Iulian Ihnatov (2015). This research was conducted on banking companies that are listed on the Indonesia Stock Exchange in the period 2014-2019, namely 43 companies. The sampling technique is nonprobability sampling with a purposive sampling technique. The data analysis technique used in this study was moderated regression analysis. Based on the results of the analysis found that capital has a positive effect on profitability, liquidity has a positive effect on profitability, operating efficiency has a negative effect on profitability, and bad credit has a negative effect on profitability, with inflation as a moderating variable.

Keywords: Capital, Liquidity, Operational Efficiency, Bad Credit, Profitability

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