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All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Milla Arriska
Universitas Panca Sakti Bekasi
Education

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PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) DAN NON-PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSETS (ROA) PADA BANK UMUM KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2021–2025 Milla Arriska; Natalia Titik Wiyani; Merintan Berliana Simbolon
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 3 (2026): Volume 12 No. 3, September 2026 Release
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i3.18739

Abstract

ABSTRACT MILLA ARRISKA. The Influence of Operating Expenses to Operating Income (BOPO) and Non-Performing Loans (NPL) on Return on Assets (ROA) in Conventional Commercial Banks Listed on the Indonesia Stock Exchange (IDX) for the 2021–2025 Period. Undergraduate Thesis. Bekasi: Universitas Panca Sakti, 2026. This study aims to examine the partial and simultaneous effects of Operating Expenses to Operating Income (BOPO) and Non-Performing Loans (NPL) on Return on Assets (ROA) in conventional commercial banks on the IDX for the 2021–2025 period. Using an associative quantitative method and multiple linear regression analysis with a total observation of 90 data ( ), all research instruments have passed the classical assumption tests. The analysis results show that partially, the BOPO variable has a negative and significant effect on ROA with a coefficient of ( ; ), while NPL also has a negative and significant effect with a coefficient of ( ; ). Simultaneously, BOPO and NPL have a significant effect on ROA with an value of ( ) and an Adjusted R Square value of ( ). These findings imply that banking management needs to integrate internal cost governance efficiency and tighten prudential principles in credit risk management to maintain profitability stability.
Co-Authors Merintan Berliana Simbolon Natalia Titik Wiyani