PENGARUH LOAN TO FUNDING RATIO (LFR), NON PERFORMING LOAN(NPL), CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGIN (NIM), OPERATING EXPENSE TO OPERATING INCOME (BOPO) TERHADAP RETURN ON ASSET (ROA)

NUGRAHA AZZIZAH, MAISAH (2020) PENGARUH LOAN TO FUNDING RATIO (LFR), NON PERFORMING LOAN(NPL), CAPITAL ADEQUACY RATIO (CAR), NET INTEREST MARGIN (NIM), OPERATING EXPENSE TO OPERATING INCOME (BOPO) TERHADAP RETURN ON ASSET (ROA). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

Banking has a major role in the economy, it is not detached from the role of the bank as an intermediation institution. The Bank has a duty to raise funds from the community and distribute back to the community in the form of credit. This research aims to test the influence of variable Loan to Funding Ratio (LFR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and operational cost on operating income (BOPO) to the profitability With Return On Asset (ROA) to registered banking company at IDX in 2016 – 2018. The population of this research is the finance sector of the bank's subsectors registered in IDX, which is 45 companies. Based on the purposive sampling technique obtained as many as 41 companies with total research data as much as 123 company data. This research uses the documentation obtained from the financial statements published on the website www.idx.co.id. The analytical techniques used are multiple linear regression. The results showed that (1) the LFR had no significant influence on ROA, (2) The NPL had a significant positive influence on ROA, (3) CAR had no influence on ROA, (4) NIM had a significant positive influence on ROA, (5) BOPO has a significant negative influence on ROA. Keywords: Loan to Funding Ratio (LFR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and operational cost on operating income (BOPO), Return On Asset (ROA). Perbankan memiliki peran besar dalam perekonomian, hal ini tidak terlepas dari peran bank sebagai lembaga intermediasi. Bank memiliki tugas untuk menghimpun dana dari masyarakat dan menyalurkan kembali kepada masyarakat dalam bentuk kredit. Penelitian ini bertujuan untuk menguji pengaruh variabel Loan to Funding Ratio (LFR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), dan Operating Expense to Operating Income (BOPO) terhadap Profitabilitas yang di proksikan dengan Return On Asset (ROA) pada Perusahaan Perbankan yang terdaftar di BEI Tahun 2016 – 2018. Populasi Penelitian ini adalah sektor finance subsector bank yang terdaftar di BEI yaitu sebanyak 45 perusahaan. Berdasarkan teknik purposive sampling didapatkan sampel sebanyak 41 perusahaan dengan total data penelitian sebanyak 123 data perusahaan. Penelitian ini menggunakan dokumentasi yang di dapat dari laporan keuangan yang dipublikasikan di website www.idx.co.id. Teknik analisis yang digunakan adalah regresi linear berganda. Hasil penelitian menunjukkan bahwa (1) LFR tidak mempunyai pengaruh signifikan terhadap ROA, (2) NPL mempunyai pengaruh signifikan positif terhadap ROA, (3) CAR tidak mempunyai pengaruh terhadap ROA, (4) NIM mempunyai pengaruh signifikan positif terhadap ROA, (5) BOPO mempunyai pengaruh signifikan negatif terhadap ROA. Kata Kunci : Loan to Funding Ratio (LFR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), dan Operating Expense to Operating Income (BOPO), Return On Asset (ROA).

Item Type: Thesis (S1)
Call Number CD: FE/AK. 19 598
Call Number: SE/32/21/128
NIM/NIDN Creators: 43216110053
Uncontrolled Keywords: Loan to Funding Ratio (LFR), Non Performing Loan (NPL), Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), dan Operating Expense to Operating Income (BOPO), Return On Asset (ROA).
Subjects: 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 332 Financial Economics, Finance/Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan > 332.1 Banks/Bank, Perbankan
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.7 Accounting for Specific Phases of Business Activity/Akuntansi Khusus yang Berkaitan dengan Bidang Bisnis
600 Technology/Teknologi > 650 Management, Public Relations, Business and Auxiliary Service/Manajemen, Hubungan Masyarakat, Bisnis dan Ilmu yang Berkaitan > 657 Accounting/Akuntansi > 657.7 Accounting for Specific Phases of Business Activity/Akuntansi Khusus yang Berkaitan dengan Bidang Bisnis > 657.76 Capital Accounting/Akuntansi Modal
800 Literatures/Kesusastraan > 800. Literatures/Kesusastraan > 801 Philosophy and Theory of Literatures/Filsafat dan Teori Kesusastraan > 801.3 Value, Influence, Effect/Nilai, Pengaruh, Efek
Divisions: Fakultas Ekonomi dan Bisnis > Akuntansi
Depositing User: Rifky
Date Deposited: 29 May 2022 15:31
Last Modified: 03 Jun 2022 02:44
URI: http://repository.mercubuana.ac.id/id/eprint/54414

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