Pengaruh Capital Adequacy Ratio (Car), Loan to Deposit Ratio (Ldr) Dan Non Performing Loan (Npl) Terhadap Return on Asset (Roa) Pada Sektor Perbankan Di Bursa Efek Indonesia

Abstract

This research was conducted to determine the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Non Performing Loans (NPL) on Return On Assets (ROA) both partially and simultaneously in the Banking Sector on the Indonesia Stock Exchange 2014-2018. . The research method is to use the causal associative method, with a quantitative approach. Data collection techniques using secondary data. The sampling technique used purposive sampling technique, the sample was 16 companies which are the annual reports of the banking sector on the Indonesia Stock Exchange (BEI).The results of the study using the t test and f test show that partially the Capital Adequacy Ratio (CAR) has a significant negative effect on Return on Assets (ROA), Loan to Deposit Ratio (LDR) has no significant effect on Return On Assets (ROA), Non-Performing Loan (NPL) has no significant effect on Return On Asset (ROA) and simultaneously Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) have a significant positive effect on Return On Assets (ROA).

The Effect of Capital Adequacy Ratio and Sukuk Sales on Profitability at Bank Muamalat

“…Researchers selected data on the development of CAR, Sukuk Sales and ROA in the last 5 years to see how Bank Muamalat maximized the company's financial performance. Data on the influence of capital adequacy ratio (CAR) and sukuk sales on profitability in the last 5 years can be seen in table 1 (Abdurrohman et al, 2020).…”

Pengaruh Net Interest Margin, Loan to Deposit Ratio, dan Non-Performing Loan Terhadap Return On Asset (Studi pada Perbankan yang Listing di BEI)

“…Penelitian ini sejalan dengan Abdurrohman (Abdurrohman et al, 2020) bahwa Loan to deposit ratio tidak berpengaruh signifikan terhadap return on asset pada sektor perbankan yang terdaftar di BEI tahun 2014-2018. Pengaruh Non Performing Loan (X 3) Terhadap Return On Assets (Y) Berdasarkan hasil uji parsial untuk Non performing loan nilai signifikansi sebesar 0,169 atau lebih dari 0,05.…”

Analysis of the Effect of Capital Adequacy Ratio and Non-Performing Loans on Return on Assets in 4 State-Owned Banks Listed on the IDX for the 2017-2021 Period

“…Financial ratios such as Capital Adequacy Ratio (CAR) and Non-Performing Loan (NPL) help the banking industry evaluate and assess the level of health of banks. CAR, which is a capital adequacy ratio that functions to accommodate the risk of loss that is likely to be faced by banks, where the higher the CAR, the better the bank's ability to bear the risks of any risky productive loans/assets (Abdurrohman et al, 2020). Meanwhile, NPL, which is one of the measurements of the bank's business risk ratio, shows the magnitude of the risk of nonperforming loans in a bank.…”