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All Journal Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Jurnal Peduli : Jurnal Pengabdian Kepada Masyarakat
Novia Rahmawati
Universitas Bina Bangsa
Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice

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PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) PADA PERBANKAN BUMN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) PERIODE 2016-2025 Novia Rahmawati; Siti Fatonah; Leni Triana
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 6 No. 2 (2026): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/yud.v6i2.210

Abstract

This study aims to determine the effect of Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) in State-Owned Banks listed on the Indonesia Stock Exchange during the 2016–2025 period. The research method used in this study is causal associative research with a quantitative approach. The sampling technique employed was saturated sampling, resulting in 40 research data samples. The data used were secondary data obtained from the annual reports of State-Owned Banks listed on the Indonesia Stock Exchange (IDX) for the 2016–2025 period, which were accessed through the official websites of each bank. The data were analyzed using SPSS version 26 software. The results of the t-test (partial) indicate that Non-Performing Loan (NPL) has a negative and significant effect on Return On Assets (ROA), as evidenced by the value of tcount > ttable, -5.576 > -2.024 with a significance value of 0.00 < 0.05. Loan to Deposit Ratio (LDR) also has a negative and significant effect on Return On Assets (ROA), as evidenced by the value of tcount > ttable, -2.503 > -2.024 with a significance value of 0.01 < 0.05. Furthermore, the results of the F-test (simultaneous) show that Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) simultaneously have a significant effect on Return On Assets (ROA), as evidenced by the value of Fcount > Ftable, 21.832 > 3.25 with a significance value of 0.00 < 0.05. The conclusion of this study shows that, partially, Non-Performing Loan (NPL) has a negative and significant effect on Return On Assets (ROA), and Loan to Deposit Ratio (LDR) also has a negative and significant effect on Return On Assets (ROA). Simultaneously, Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) have a significant effect on Return On Assets (ROA).
KENALI TUBUHMU : UPAYA PENCEGAHAN KEKERASAN SEKSUAL PADA ANAK MELALUI BERMAIN DAN BERNYANYI Sonia Sonia; Galuh Mulyawan; Hoimah Aulia Agustin; Zakia Arikinanti; Novia Rahmawati; Naila Syifa
Jurnal Peduli : Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2026)
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/pdl.v5i2.871

Abstract

This activity aims to educate elementary school students about the prevention of sexual violence through play-based and singing activities tailored to children’s developmental characteristics. The outreach was conducted at MI Tahfudzul Qur’an Al-Azhar, involving 47 fifth- and sixth-grade students. The methods used were educational and participatory, utilizing visual aids, games about appropriate and inappropriate touch, educational songs, and simulations on how to refuse and report if faced with an unsafe situation. This approach was designed so that sensitive material could be conveyed in an enjoyable, easy-to-understand, and age-appropriate manner. The results of the activity showed that the majority of students were able to identify private body parts that must be protected, distinguish between safe and unsafe touch, and understand the actions needed when experiencing inappropriate behavior. Students also demonstrated greater courage to say no, move away, and report incidents to a trusted adult. This activity makes an important contribution as a preventive measure in building children’s awareness and resilience against sexual violence from an early age. Furthermore, a play- and song-based educational model can serve as an effective, child-friendly, and easily implementable alternative strategy for child protection education in elementary school settings.
Co-Authors Hoimah Aulia Agustin Leni Triana Mulyawan, Galuh Naila Syifa Siti Fatonah Sonia Sonia Zakia AriKinanti