EFFECT OF CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGINS (NIM), AND LOANS TO DEPOSIT RATIO (LDR) ON PROFITABILITY (CASE STUDY IN BANKING COMPANIES LISTED ON THE EXCHANGE EFFECT INDONESIA PERIOD 2017-2019)

The purpose of this study is to see and analyze the effect of Capital Adequacy Ratio (CAR), NetInterest Margin (NIM), and Loan to Deposit Ratio (LDR) on the profitability (ROA) of banking companies listed on the Indonesia Stock Exchange (IDX) for the 2017 period. -2019. this type of research is a quantitative study using secondary data. The data research method in this research is thedocumentation method. the sample of this research is banking companies listed on the Indonesia StockExchange for the period 2017-2019 using purposive sampling. Samples that met the criteria in this studywere 31 banks. The data analysis method in this research is multiple linear regression analysis, simultaneous test and partial test. The results of the study simultaneously CAR, NIM, and LDR have a significant effect on banks profitability. Meanwhile, partially CAR has no effect on bank profitability (ROA), while NIM has a significant effect on bank profitability (ROA), and LDR has no effect on bank profitability (ROAs)