Pengaruh Kecukupan Modal, Risiko Kredit t/erhadap Profitabilitas dengan Efisiensi sebagai Variabel Intervening

This study aims to determine whether there is an effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) on Profitability (ROA) with Efficiency (BOPO) as Intervening Variable, in conventional commercial banks Indonesia listed the Stock Exchange period (2016). -2020). Sampling using purposive sampling method criteria that bank has a complete published report 2016-2020, and non-negative ROA. uses data obtained from bank's Annual Financial Statements issued by Services Authority (OJK) Bank Published Statements. The analytical technique used statistical test through Ttest, Ftest, R2, Multiple Regression Test, Sobel Test Calculator for Significance Mediation. results analysis t show CAR negative insignificant ROA, NPL BOPO significant BOPO, no BOPO. And showed was able mediate variable ROA but unable ROA.
 Keywords: CAR; NPL; ROA;