DETERMINAN YANG MEMPENGARUHI RETURN ON ASSET (ROA) PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2020

RIFANSA, MUHAMMAD BUDI (2022) DETERMINAN YANG MEMPENGARUHI RETURN ON ASSET (ROA) PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2020. S2 thesis, Universitas Mercu Buana Jakarta-Menteng.

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Abstract

The research purpose is to analyze the effect of capital adequacy ratio (CAR), non performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR), and operating costs and operating income (BOPO). The population in this study are book IV banks listed on the Indonesia Stock Exchange (IDX) for the 2016-2020 period. The research data is secondary data with an observation period of 5 years. The sampling method used is purposive sampling, where from all book IV bank listed on the Indonesia Stock Exchange 10 book IV banks that report their financial statements during the study period are taken. The data analysis method used is Random Effect Model panel data regression. The results of this research can be concluded that Return On Asset can be explained or influenced by the variables of capital adequacy ratio (CAR), non performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR) and operating costs and operating income (BOPO) while the remaining is explained or influenced by other variables outside the model. The results show that the capital adequacy ratio (CAR) does not have a positive effect on Return On Assets (ROA) in the period 2016-2020 at book banks IV, the ratio of non-performing loans (NPL) does not have a positive effect on Return On Assets (ROA) in the period 2016-2020 at book banks IV and operating costs of operating income (BOPO) have no effect on Return On Assets (ROA) in the period 2016- 2020 at book bank IV and the ratio of Net Interest Margin (NIM) have a positive effect on Return On Assets (ROA) in the period 2016-2020 at book bank IV and Loan to Deposit Ratio (LDR) have a positive and significant effect on Return On Assets (ROA) in the period 2016-2020 at book bank IV. Keywords : Return On Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operating costs and operating income (BOPO). Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio (CAR), non performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR) dan biaya operasional pendapatan operasional (BOPO) terhadap return on asset (ROA) pada bank buku IV di Indonesia. Populasi dalam penelitian ini adalah bank buku IV yang terdaftar di bursa efek Indonesia (BEI) periode 2016-2020. Data penelitian merupakan data sekunder dengan observasi 5 tahun. Metode penentuan sampel menggunakan purposive sampling, dimana dari semua bank buku IV yang terdaftar di Bursa Efek Indonesia (BEI) diambil 10 bank buku IV yang melaporkan laporan keuangannya selama periode penelitian. Metode analisis data yang digunakan adalah regresi data panel Random Effect Model. Hasil penelitian ini dapat disimpulkan bahwa Return On Asset dapat dijelaskan atau dipengaruhi oleh variabel capital adequacy ratio (CAR), non performing loan (NPL), net interest margin (NIM), loan to deposit ratio (LDR), biaya operasional pendapatan operasional (BOPO), sedangkan sisanya dipengaruhi oleh variabel lain di luar model. Hasil penelitian menunjukkan rasio capital adequacy ratio (CAR) tidak berpengaruh positif terhadap Return On Asset (ROA) pada periode tahun 2016-2020 pada bank buku IV, rasio non performing loan (NPL) tidak berpengaruh positif terhadap Return On Asset (ROA) pada periode tahun 2016-2020 pada bank buku IV dan biaya operasional pendapatan operasional (BOPO) tidak berpengaruh terhadap Return On Asset (ROA) pada periode tahun 2016- 2020 pada bank buku IV dan rasio Net Interest Margin (NIM) berpengaruh positif terhadap Return On Asset (ROA) pada periode tahun 2016-2020 pada bank buku IV dan Loan to Deposit Ratio (LDR) berpengaruh positif dan signifikan terhadap Return On Asset (ROA) pada periode tahun 2016-2020 pada bank buku IV. Kata kunci : Return On Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO).

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