https://internationalpublisher.id/journal/index.php/Nejesh <p>Neo Journal of economy and social humanities is a periodical scientific journal published based on scientific journal principles aimed at publishing scientific works resulting from research, development and literature studies in the field of economics and social humanities. A competent reviewer will review each article in their field. The review process is carried out using double-blind, where each reviewer does not know the identity of each other, both the author and the reviewer or fellow reviewers. This journal is published periodically in March, June, September and December every year. Manuscripts are sent anytime via online (Registration). Neo Journal of economy and social humanities is published by "International Publisher - YAPENBI" which is one of the divisions under the auspices of the "Indonesian Sustainable Education Development Foundation (YAPENBI)".</p> <p><strong>Since publication in Volume 2 Number 1, the number of publications in each issue is 7 (seven) articles.</strong></p> <p>Average article action:<br /><strong>3 Days for First Editorial Decision</strong><br /><strong>20 Days for acceptance</strong><br /><strong>15% Turnitin Maximum</strong></p> <p>ISSN Number : 2828-6480</p> International Publisher (YAPENBI) en-US Neo Journal of economy and social humanities 2828-6480 https://internationalpublisher.id/journal/index.php/Nejesh/article/view/346 <p><span style="font-weight: 400;">This study aims to analyze the influence of inflation, credit risk, and exchange rates on banking profitability in Indonesia, which is an important issue in a dynamic economic context. Measured by ROA with the period 2021-2024 based on Signaling theory. By understanding whether these macroeconomic factors can affect the bank's financial performance. Using quantitative methods, multiple linear regression was conducted through SPSS 16, with secondary data from 11 large conventional banks on the IDX and produced 44 observations. As a result, simultaneously, inflation, exchange rates, credit risk affect banking profitability significantly are shown by the results (F = 3.123, p = 0.036), explaining the 15.4% variation (R² = 0.154; Adjusted R² = 0.106), but only a fraction of the credit risk (t = 2.618, p = 0.012, β = 0.051) was affected. inflation (t = 0.975, p = 0.335) and exchange rate (t = 0.995, p = 0.326) are not. These findings contribute to understanding the importance of risk control in maintaining bank profitability amid uncertain economic conditions, emphasizing the priority of internal credit risk management over external macroeconomic signals in post-pandemic banking stability. The recommendations include stricter supervision of NPLs by the OJK and BI, as well as hedging for exchange rate risks. The conclusions of this study emphasize the need for banks to improve risk management and transparency of financial statements, further research is recommended to examine other factors besides the variables in this study.</span></p> Rismatur Reza Tri Auliana Choirul Hana Copyright (c) 2025 Rismatur Reza Tri Auliana, Choirul Hana http://creativecommons.org/licenses/by/4.0/ 2025-10-06 2025-10-06 4 4 610 623 10.56403/nejesh.v4i4.346