Analysis of the Effect of Profitability Ratios and Solvency Ratios on Changes in Profit at PT Bank BTPN Syariah Indonesia Tbk.

This study aims to analyze the effect of Return On Asset, Return On Equity, Debt to Equity Ratio, and Debt to Asset Ratio on Changes in Net Profit at PT Bank BTPN Syariah Indonesia Tbk. from 2018-2024. This research is a quantitative study. The population in this study is the Financial Statement Data of PT Bank BTPN Syariah Indonesia Tbk listed on the Indonesia Stock Exchange (IDX) Surabaya from 2018-2024. This study uses a sample of 7 years of financial statement data from PT Bank BTPN Syariah Indonesia Tbk, with sample selection determined by Purposive Sampling. The analysis methods used in this study include classical assumption tests, multiple linear regression analysis, and t-tests. The results of hypothesis testing show that individually, Return On Asset and Debt to Equity Ratio have a positive effect on the Net Profit Change variable, while Return On Equity and Dept to Asset Ratio has a negative effect on Net Profit Change. Based on the results of the multiple linear regression test, it was also found that the regression significance value of all independent variables did not significantly affect changes in net profit.