THE INFLUENCE OF INTELLECTUAL CAPITAL, LIQUIDITY, AND OPERATIONAL EFFICIENCY ON THE GROWTH OF BANKING PROFITABILITY IN INDONESIA (CASE STUDY OF BANKING COMPANIES 2020-2023)

Abstract

The phenomenon of increasing ROA in banking since 2021, the importance of intellectual
capital, liquidity, and operational efficiency in a company and the results of previous research
motivate this research. The purpose of this study is to determine whether Intellectual Capital,
Liquidity, and Operational Efficiency affect banking growth in Indonesia.The type of research
used is casual explanatory. The data analysis method is multiple linear regression analysis. The
technique of determining the sample is purposive sampling. The results showed that partially
Intellectual Capital has a positive and significant effect on the growth of banking profitability,
Liquidity does not affect and is insignificant to the growth of banking profitability, and
Operational Efficiency has a negative and significant effect on banking growth in Indonesia
listed in BEl in 2020-2023. In addition, simultaneously shows that Intellectual Capital,
Liquidity, and Operational Efficiency have a positive and significant effect.