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All Journal Diponegoro Journal of Management
Wisnu Mawardi
Fakultas Ekonomika dan Bisnis, Universitas Diponegoro
Decision Sciences, Operations Research & Management

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Analisis Pengaruh Rasio NPL, LDR, CAR, BOPO, dan NIM terhadap Profitabilitas Bank: Studi pada Bank Umum Konvensional yang Terdaftar di BEI Tahun 2020-2024 Aisya Indah Oktaviani; Wisnu Mawardi
Diponegoro Journal of Management Volume 14, Nomor 4, Tahun 2025
Publisher : Faculty of Economics and Business Diponegoro University

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Abstract

The research aims to examine the effect of the independent variables Non Performing Loans (NPL), Loan to Deposit Ratio (LDR), Operational Expenses and Operational Income (BOPO), Capital Adequacy Ratio (CAR) and Net Interest Margin (NIM) on bank profitability. Bank profitability is measured by Return on Assets (ROA) as the dependent variable. The research uses secondary data on a population of 47 banks listed on the Indonesia Stock Exchange for the period 2020-2024. 26 banks were selected using purposive sampling. By using a multiple linear regression analysis model and the Generalised Least Squares (GLS) method to analyse the research. The results of this research indicate that NPL and BOPO have a significant negative effect on ROA. LDR and NIM have a significant positive effect on ROA. CAR has an insignificant negative effect on ROA.
Co-Authors Aisya Indah Oktaviani