TRIA, HELGA (2025) PENGARUH RASIO DANA PIHAK KETIGA (DPK), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP PROFITABILITAS (ROA) (Studi pada Bank Umum Konvensional KBMI IV Periode 2019-2023). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
Return on Assets (ROA) is a quantitative measure used to assess profitability and represent bank performance. The more effectively a bank uses its assets to generate profits, the higher its ROA value. Using a sample of four banks, this study employed a saturated sampling strategy to collect population data in the form of the 2019-2023 annual financial reports of KBMI 4 Conventional Commercial Banks, as recorded by the Financial Services Authority. The data was examined using panel data regression. The t-statistic test, F-test, and coefficient of determination (R2) were used to test the hypothesis. In addition, the Third Party Funds (DPK) ratio, Operating Expenses to Operating Income (BOPO) ratio, and Capital Adequacy Ratio (CAR) all have a substantial impact on the return on assets (ROA) of KBMI 4 banks. This study found that the DPK ratio had a negative and insignificant impact on ROA, while the BOPO ratio had a negative and significant impact. However, the CAR ratio had a positive but insignificant impact on ROA. Keywords: Third-Party Funds (DPK), Operational Income Operating Costs (BOPO), Capital Adequacy Ratio (CAR), and Profitability (ROA), Conventional Commercial Bank KBMI IV. Return on Assets (ROA) ialah pengukuran kuantitatif yang diterapkan guna menilai profitabilitas dan mewakili kinerja bank. Semakin efektif bank memakai asetnya untuk menghasilkan laba, semakin tinggi nilai ROA-nya. Dengan menggunakan sampel empat bank, penelitian ini menggunakan strategi pengambilan sampel jenuh untuk mengumpulkan data populasi berupa laporan keuangan tahunan Bank Umum Konvensional KBMI 4 untuk tahun 2019-2023, yang tercatat di Otoritas Jasa Keuangan. Data tersebut diperiksa dengan regresi data panel. Uji t-statistik, uji F, serta koefisien determinasi (R2) digunakan untuk menguji hipotesis. Selain itu, faktor rasio Dana Pihak Ketiga (DPK), Beban Operasional Pendapatan Operasional (BOPO), dan Capital Adequacy Ratio (CAR), semuanya memiliki dampak substansial terhadap pengembalian atas aset (ROA) bank KBMI 4. Pada penelitian ini didapatkan bahwa, rasio DPK berdampak negatif serta tidak signifikan pada ROA, lalu rasio BOPO berdampak negatif dan signifikan. Namun, rasio CAR berdampak positif tetapi tidak signifikan pada ROA. Kata Kunci: Dana Pihak Ketiga (DPK), Biaya Operasional Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Profitabilitas (ROA), Bank Umum Konvensional KBMI IV.
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