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Journal : Journal Of Management Science (JMAS)

Influence of loan to deposit ratio (LDR), non-performing loan (NPL) and provision for losses of productive assets (PLPA) on return on asset (ROA) in BPR Jujur Arghadana period 2019-2023 Maulani, Magfira Gifani; Suryaningprang, Andre; Herlinawati, Erna; Sudaryo, Yoyo
Junal Ilmu Manajemen Vol 7 No 1 (2024): January: Management Science and Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jmas.v7i1.434

Abstract

This research was conducted to analyze the influence of Loan to Deposit Ratio (LDR), Non-Performance Loans (NPL), and Allowance for Productive Asset Losses (PPAP) on Return on Assets (ROA) at BPR Honest Arghadana for the 2019-2023 period. The sampling technique was carried out using a purposive sampling method with the criteria of Honest BPR Arghadana which publishes complete financial reports every year for the 2019-2023 period. Before the analysis is carried out, analysis requirements are first tested including normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. The data analysis technique was carried out using the multiple linear regression analysis method using the SPSS 21 program tool. Proving the hypothesis was carried out using the T test and F test. The results of the research simultaneously stated that LDR, NPL and PPAP together had an effect on ROA of 24, 3%. Meanwhile, partial research results state that the LDR, NPL and PPAP variables do not have a significant effect on ROA.
Co-Authors Abdul Aziz Mubarok, Dadan Abdul Aziz, Dadan Adhima, Rio Fauzan Andhika Mochamad Siddiq Andrey Satwika Yogaswara Aprilliani, Pritta Arie Hendra Saputro Auliya, Nisa Ayatika, Arini Chaidir, Moehammad Ilham Dadan Abdul Aziz Dadan Abdul Aziz Dadan Abdul Aziz Mubarok Dadan Abdul Aziz Mubarok Dayona Ismail, Gurawan Dayona, Gurawan Dedi Supiyadi Detya Wiryany Disman Disman Ellen Rusliati Erna Herlinawati Fajar, Moh. Wisnu Fanji Wijaya Fany Oktaviani Febriyanti, Diah Fitri Julianti Gunawan, Wulandari Gurawan Dayona Ismail Gurawan Dayona Ismail Hamdani, Deni Herlina*, Listri Herlinawati , Erna Icha Sandrina, Icha Sandrina Ida Farida Oesman Ihwan Nudin, Mohammad Rizky Indah, Dewi Yuliati Ismail, Gurawan Dayona Jaja Suteja Kaniasari Wulan Dewi Khoirunnisa, Asyifa Lella N Q Irwan Listri Herlina Listri Herlina Manasye Arveni Sinamo Maulani, Magfira Gifani Meilani, Haifa Syafira Muhamad Raji, Padil Mukti Ali, Mochammad Muldiani, Nadia Mulyaningrum Mulyaningrum MULYANINGRUM SUDIBYO Muttaqin, Ridlwan Ningsih, Inka Yusnia Elya Nisa, Syakila Sakinatun Nuradina, Kartika Nurillah, Dewi Fitriani Nurshifa Putri Irawan Permana, Ari Putri, Salma Sofyanti R. Rheina Amalina Iskandar Rahmawati, Lira Rahmawati, Reni Ramadhan, Rio Ari Ramdan, Ahmad Taufiq Maulana Rasti Ristiya Ratih Hurriyati Recky, Recky Ridho Riadi Akbar Ridma Meltareza Ridwan Ridwan Rika Rahmawati Ristiya, Rasti Riyandi Nur Sumawidjaja Riyandi Nur Sumawidjaja Rizkyanti, Mira Sayyidinaa Zahra Ridha Pramitha Siddiq, Andhika Mochamad Siti Nur Asyifa, Alma Sofianti, Nunung Ayu Sonia Chandra Utami Suci Fauziah Lestari Sudaryo , Yoyo Sufyani, Mujibah Achyar Suhendra Suhendra Sumawidjaya, Riyandi Nur Supiyadi , Dedi Supiyadi, Dedi Suryatna, Tri Tawaqal, Rizki Surya Wanda, Syalwa Nazhifah Aulya Wentri Merdiani Wini Fetia Wardhiani Wulandari Gunawan Yoyo Sudaryo Yoyo Sudaryo Zamzam, Rizqi Darmawan Zulfiqar, Mochammad