Pengaruh LDR, NPL, CAR dan DPK terhadap ROA pada Perusahaan Perbankan Periode 2015-2019

Abstract

This slowing economy resulted in disrupted banking activities, especially profits decreased. The purpose of this study was to determine the effect of the Loan to Deposit Ratio, Non Performing Loans, Capital Adequacy Ratio, and third Party Funds on Returning Assets in Banking Companies on the Indonesia Stock Exchange 2015-2019 Period either partially or simultaneously. This research approach is quantitative. This type of research is descriptive statistics. The nature of this research is explanatory research. The population in this study was 45 banking companies in the Indonesia Stock Exchange for the 2015-2019 period. Technique sampling for this research used purposive sampling. So this research sample was 23 banking companies. Multiple linear regression model. The result is that the Loan to Deposit Ratio has no effect on Returning Assets in Bankingi Companies on the Indonesia Stock Exchange for the 2015-2019 Period. Non-Performing Loans have a negative effection Returnion Assets in Banking Companies on the Indonesia Stock Exchange for the 2015-2019 Period. Capital Adequacy Ratio has a positive effect on Return on Assets in Banking Companies the Indonesia Stock Exchange 2015-2019 Period. Third Party Funds have no effect on return on assets in Banking Companies the Indonesia Stock Exchange for the 2015-2019 Period. Together Loaniito Deposit Ratio, Non-Performing Loans, Capital Adequacy Ratio and Third Party Funds have an effect on return on assets in Banking Companies the Indonesia Stock Exchange 2015-2019 Period. The magnitude of this influence is 25.4% where the remaining 74.6% is influenced by other independent variables for example the ratio of income to operating expenses

Analisis pengaruh rasio keuangan terhadap Return On Asset (Roa) pada Perusahaan Perbankan Tahun 2017- 2021

“…Pada penelitian (Septiani & Lestari, 2016), (Fajari & Sunarto, 2017), (Putri, 2019), (Nuryanto et al, 2020) yang menyatakan bahwa aspek permodalan tidak berpengaruh terhadap profit (ROA). Berbeda pada penelitian (Asri & Suarjaya, 2018), (Aswini et al, 2021), (VMS et al, 2020) menyatakan bahwa CAR berpengaruh positif signifikan terhadap ROA.…”

“…Pada penelitian (Septiani & Lestari, 2016), (Putri, 2019), (VMS et al, 2020) menyatakan bahwa NPL berpengaruh negatif tidak signifikan terhadap ROA. Berbeda dengan penelitian (Fajari & Sunarto, 2017), (Putri, 2019), (Aswini et al, 2021) menunjukkan NPL berpengaruh positif signifikan terhadap ROA. Net Interest Margin (NIM) ialah untuk mengukur rasio kemampuan manajemen bank, ketika mengelola aset produktifnya agar menghasilkan pendapatan bersih.…”

“…Hasil ini menunjukkan bahwa tinggi rendahnya LDR (kemampuan bank dalam menyalurkan dana pihak ketiga) berarti semakin beresiko suatu bank dapat mengalami kredit bermasalah namun tidak akan berdampak pada penurunan keuntungan atau ROA. Temuan penelitian ini didukung hasil penelitian (Chandra & Anggraini, 2020), (VMS et al, 2020), (Aswini et al, 2021), (Nuryanto et al, 2020), (Aji, 2021), dan (Setyowati & Budiwinarto, 2017) bahwa tidak ada pengaruh LDR terhadap profitabilitas (ROA).…”

Analysis of the Financial Performance of BPR National Sharia Before and During the Covid-19 Pandemic

“…A high return on assets (ROA) illustrates that a bank has a large capital adequacy ratio (CAR). Banks should be able to meet their capital adequacy to ensure that they will avoid risks that may arise in the implementation of business activities (Aswini et al, 2021;Fathony et al, 2021;Hellen et al, 2019) The main factor that is considered by banks to survive is the assessment related to the soundness of the bank through financial performance. Good performance is characterized by high profitability, while poor performance is associated with losses incurred by the company.…”

Profitabilitas pada bank umum syariah dan peran biaya intermediasi, capital adequacy ratio, pembiayaan mudharabah, financing to deposit ratio, dan dana pihak ketiga

“…Disatu sisi, perbankan juga harus inovatif dengan membuat produknya agar mendapatkan perhatian seperti keinginan nasabah, agar dapat menaikkan DPK yang himpunan suatu perbankan (Ariyanti et al, 2017). Penelitian (Hidayat arif & Sunarsi, 2017) dan (Husaeni, 2017), DPK berpengaruh positif dan signifikanb terhadap ROA, kemudian penelitian (Aswini, Gunawan, Chaniago, & Astuty, 2021), DPK berpengaruh positif tetapi tidak signifiakan terhadap ROA, dan menurut (Dewi, 2018), DPK berpengaruh negatif dan signifikan terhadap ROA.…”