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Pengaruh NPL, LDR, Terhadap ROA dengan NIM sebagai Variabel Intervening Pada Bank BUMN yang Terdaftar di Bursa Efek Indonesia (BEI) Periode 2016-2023 Cherly Dwi Meivia; Fitriyadi
JURNAL BISNIS DAN PEMBANGUNAN Vol. 14 No. 3 (2025): Jurnal Bisnis dan Pembangunan
Publisher : Program Magister Ilmu Administrasi Bisnis FISIP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jbp.1414i3.102

Abstract

Abstract: Return on Asset (ROA) is a ratio that shows the results (return) on the amount of assets used in the company. Bad loans and the amount of credit disbursed have an impact on Return on Asset (ROA). This study aims to determine and test the effect of Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on Return on Asset (ROA) with Net Interest Margin (NIM) as an Intervening Variable in State-Owned Banks Listed on the Indonesia Stock Exchange (IDX). This research is a quantitative method research with an explanatory research design. The population in this study is all financial reports of state-owned banks listed on the Indonesia Stock Exchange (IDX). The sample size used is the financial reports of state-owned banks listed on the Indonesia Stock Exchange (IDX) for the period 2016-2023 with a sampling technique of purposive sampling. The type of data used in this study is secondary data in the form of financial reports obtained from the Indonesia Stock Exchange (IDX). Data collection techniques by documentation. The data analysis technique in this study uses path analysis with the EViews 12 program. The results of this study prove that Non-Performing Loan (NPL) has a significant effect on Net Interest Margin (NIM). Loan to Deposit Ratio (LDR) does not have a significant effect on Net Interest Margin (NIM). Non-Performing Loan (NPL) has a significant effect on Return on Asset (ROA). Loan to Deposit Ratio (LDR) does not have a significant effect on Return on Asset (ROA). Net Interest Margin (NIM) has a significant effect on Return on Asset (ROA). Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) do not have a significant effect on Return on Asset (ROA) through Net Interest Margin (NIM.)
Pengaruh Digitalisasi Perbankan Terhadap Loyalitas Nasabah Dimediasi Kepuasan Nasabah Pada Bank Kalsel Cabang Utama Dea Silvana Rachmawati; Fitriyadi
JURNAL BISNIS DAN PEMBANGUNAN Vol. 14 No. 3 (2025): Jurnal Bisnis dan Pembangunan
Publisher : Program Magister Ilmu Administrasi Bisnis FISIP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jbp.1414i3.103

Abstract

Abstract: The objective of this study is to examine and analyze both the direct and indirect effects of banking digitalization on customer loyalty, with customer satisfaction as a mediating variable. This research employs a quantitative approach using the PLS-SEM method, incorporating both outer model and inner model evaluations. Data were collected through the distribution of questionnaires via Google Forms. The population of this study consists of customers of Bank Kalsel at the Main Branch in Banjarmasin, with a total of 150 respondents selected using purposive sampling techniques. The results of this study indicate that banking digitalization and customer satisfaction have a positive and significant effect on customer loyalty. Furthermore, the indirect effect of banking digitalization on customer loyalty, mediated by customer satisfaction, also shows a positive and significant influence
Co-Authors Cherly Dwi Meivia Dea Silvana Rachmawati