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Journal : Journal on Education

Pengaruh Non Perfoming Loan (NPL) Dan Loan To Deposit Ratio (LDR) Terhadap Profitabilitas Pada Bank Konvensional Di Indonesia Pramesti Setianingrum; Selly Puspitasari
Journal on Education Vol 6 No 1 (2023): Journal On Education: Volume 6 Nomor 1 Tahun 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i1.4236

Abstract

This research is motivated by conventional commercial bank financial ratios that are used to measure bank financial performance and profitability at conventional commercial banks themselves. This study uses a quantitative approach using panel data analysis which aims to determine the effect of Net Performing Loans (NPL) and Loan To Deposit Ratio (LDR) on Return On Assets (ROA). The data source used is secondary data. The data collection method is done by means of documentation and content analysis. The results of this study indicate that the Net Performing Loan (NPL) ratio has a negative effect on Return On Assets (ROA) at conventional commercial banks for the period 2017 Quarter I to 2021 Quarter IV, the Loan To Deposit Ratio (LDR) ratio has a positive effect on Return On Assets (ROA) ) in conventional commercial banks for the period 2017 Quarter I to 2021 Quarter IV.
Pengaruh NPF, BOPO, DPK terhadap Profitabilitas pada Perbankan Syariah Indonesia Tahun 2019-2022 Alia Damaiyanti; Selly Puspitasari; Fauzan Fuadi
Journal on Education Vol 7 No 1 (2024): Journal on Education: Volume 7 Nomor 1 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v7i1.7193

Abstract

This research objective was to test and analyze the influence of Non-Performing Financing (NPF), Operating Expense Operating Income (BOPO), and Third Party Funds (DPK) on profitability in sharia banking in 2019-2022. The method used is quantitative research and the sampling technique used in this research is purposive sampling, where the population in this study consists of 64 banking data. Based on the sample criteria, the total research sample was 48 banking data. The data type in this research is secondary data which was tested using SPSS version 25 with multiple linear regression analysis techniques. The research results show that NPF (X1) has no partial effect on profitability, BOPO (X2) has partial effect on profitability, DPK (X3) has a partial effect on profitability. It showed that NPF, BOPO , DPK have an effect on profitability simultaneously.