“…We use CAR, ROA, ROE, NPF, FDR, and NB as independent variables. The independent variables are constructed based on previous studies (see, for example, Sufian & Noor, 2009;Ariyani, 2010;Ahmad & Noor, 2011;Sardar et al, 2011;Pambuko, 2016;Firdaus & Hosen, 2013;Mu'izzuddin & Isnurhadi, 2013;Rozzani & Rahman, 2013;Subandi & Ghozali, 2014;Lutfiana & Yulianto, 2015;Bisri, 2016;and Havidz et al, 2017).…”