Pengaruh CAR, NPL, LDR dan BOPO Terhadap Return On Assetss (ROA) (Studi Empiris Pada Bank Perkreditan Rakyat Di Banten Pada Periode 2017-2019)

AGUSTIN, ALIFAH EMILIA (2021) Pengaruh CAR, NPL, LDR dan BOPO Terhadap Return On Assetss (ROA) (Studi Empiris Pada Bank Perkreditan Rakyat Di Banten Pada Periode 2017-2019). S1 thesis, Universitas Mercu Buana Jakarta.

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Abstract

This study aims to prove empricially the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operational Expenses to Income Operations (BOPO) on profitability which is proxied Return On Assetss (ROA). This research was conducted at a Rural Bank registered with the Financial Services Authority from 2017 to 2019. The sampling technique used in thisstudy was purposive sampling. The samples in this study were 57 rural bank companies in Banten registered with the Financial Services Authority from 2017 to 2019 that met the criteria. The data analysis technique used is multiple linear regression analysis which consists of two variables, namely the dependent variable and the independent variable.the result of this test using SPSS 21. The results showed that the Capital Adequacy Ratio (CAR) proved to have no effect on Return On Assetss (ROA), Non Performing Loans (NPL) had no effect on Return On Assetss (ROA), Loan to Deposit Ratio (LDR) had no effect on Return On Assetss. (ROA), Operational Expenses on Income Operations (BOPO) have a significant and positive effect on Return On Assetss (ROA). However, research has limitations in finding financial statement data for a BPR because not all have these financial statements. Keywords: Capital Adequacy Ratio, Non Performing Loans, Loan to Deposit Ratio and Operational Expenses to Operations (BOPO), Return On Assetss (ROA). Penelitian ini bertujuan untuk membuktikan secara empiris Capital Adequacy Ratio (CAR) ,Non Perfoming Loan (NPL), Loan to Deposit Ratio (LDR), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return On Assetss (ROA). Penelitian ini dilakukan pada Bank Perkreditan Rakyat yang terdaftar di Otoritas Jasa Keuangan berlangsung pada tahun 2017 sampai 2019. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling. Sampel dalam penelitian ini sebanyak 57 perusahaan Bank Perkreditan Rakyat di Banten yang terdaftar di Otoritas Jasa Keuangan berlangsung pada tahun 2017 sampai 2019 yang memenuhi kriteria. Teknik analisa data yang digunakan adalah analisis regresi linier berganda yang terdiri dari dua variable yaitu variable dependen dan variable independen. Hasil uji ini menggunakan SPSS 21 Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR) terbukti tidak berpengaruh terhadap Profitabilitas yang diproksikan pada Return On Assetss (ROA), Non Perfoming Loan (NPL) tidak berpengaruh terhadap Profitabilitas yang diproksikan pada Return On Assetss (ROA), Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Profitabilitas yang diproksikan pada Return On Assetss (ROA), Beban Operasional terhadap Pendapatan Operasional (BOPO) berpengaruh signifikan dan positif terhadap Profitabilitas yang diproksikan pada Return On Assetss (ROA).Kelemahan dalam penelitian memiliki batasan dalam mencari data laporan keuangan sebuah BPR karena tidak semua memiliki laporan keuangan tersebut. Kata kunci: Capital Adequacy Ratio, Non Perfoming Loan, Loan to Deposit Ratio, Beban Operasional terhadap Pendapatan Operasional (BOPO) , Return On Assetss (ROA).

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