Analisis Rasio Likuiditas, Solvabilitas, dan Profitabilitas Terhadap Kinerja Keuangan Pada PT. Bank Central Asia, Tbk. Periode Tahun 2020-2024

Miracle Mawar Sharon; Anggit Dyah Kusumastuti; Annisa Indah Mutiasari

doi:10.55606/jaemb.v6i1.10776

Authors

Miracle Mawar Sharon Universitas Sahid Surakarta
Anggit Dyah Kusumastuti Universitas Sahid Surakarta
Annisa Indah Mutiasari Universitas Sahid Surakarta

DOI:

https://doi.org/10.55606/jaemb.v6i1.10776

Keywords:

Liquidity, Solvency, Profitability, Financial Performance, Financial Ratios

Abstract

This study analyzes the liquidity, solvency, and profitability ratios and their effect on financial performance at PT. Bank Central Asia, Tbk. during the 2020–2024 period. Liquidity is proxied by the Quick Ratio (QR), solvency by the Debt to Equity Ratio (DER), and profitability by the Net Interest Margin (NIM). The method used is descriptive with a quantitative approach, and data analysis is conducted using SPSS 25. The results indicate that QR and DER have no significant effect, while NIM has a significant effect on financial performance. This conclusion suggests that the higher a bank's ability to generate net interest income, the better the financial performance achieved.

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