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PENGARUH DEBT TO ASSET RATIO, DEBT TO EQUITY RATIO DAN TOTAL ASSET TURNOVER TERHADAP RETURN ON ASSET PADA PERUSAHAAN PROPERTY DAN REAL ESTATE YANG TERDAFTAR DI BEI Mega Selpia; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6141

Abstract: This study was conducted to determine the effect of Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Total Asset Turnover (TATO) on Return on Assets (ROA) in Property and Real Estate Companies Listed on the Indonesia Stock Exchange. The population in this study were Property and Real Estate Companies listed on the Indonesia Stock Exchange. The sample was taken using purposive sampling, resulting in 36 observations. And using multiple linear regression methods, classical assumption tests, simultaneous tests (F tests), and partial tests (t tests). The results of this study indicate that the Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Total Asset Turnover (TATO) simultaneously influence Return on Assets (ROA) with a calculated F value > F table (31.147 > 2.90). The partial test results for the DAR and DER variables do not affect ROA because the DAR significance value is 0.069 > 0.05 and -t count (-1.879) < -t table (-2.03452). The DER variable has a partial significance of 0.360 > 0.05 with a calculated t value of 0.929 < t table (2.03452). The TATO variable has a partial significance of 0.000 < 0.05, with a calculated t value of 8.006 > t table of 2.03452. Partially, the TATO variable has a positive and significant effect on ROA. The Adjusted R Square value, or coefficient of determination, is 0.721. This means that 72.1% of the variation or change in Return on Assets is explained by variations in the Debt to Asset Ratio, Debt to Equity Ratio, and Total Asset Turnover, while 27.9% is influenced by other variables outside the research model. Keywords: Debt to Asset Ratio, Debt to Equity Ratio, Total Asset Turnover, and Return on Assets Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), dan Total Asset Turnover (TATO) terhadap Return on Assets (ROA) pada perusahaan Property dan Real Estate yang terdaftar di Bursa Efek Indonesia. Data yang digunakan adalah data sekunder. Sampel penelitian terdiri dari 36 pengamatan yang dipilih menggunakan teknik purposive sampling. Teknik analisis yang digunakan adalah analisis regresi linier berganda dengan uji asumsi klasik, uji simultan (uji F), dan uji parsial (uji t). Hasil penelitian menunjukkan bahwa seluruh variabel independen secara simultan berpengaruh signifikan terhadap Return on Assets, dengan nilai Fhitung 31,147 > Ftabel 2,90. Secara parsial, Debt to Asset Ratio (DAR) tidak berpengaruh signifikan terhadap Return on Assets dengan nilai thitung -1,879 < ttabel -2,03452 dan nilai signifikansi 0,069 > 0,05. Debt to Equity Ratio (DER) tidak berpengaruh signifikan dengan nilai thitung 0,929 < ttabel 2,03452 dan nilai signifikansi 0,360 > 0,05. Total Asset Turnover (TATO) berpengaruh positif dan signifikan terhadap Return on Assets dengan nilai thitung 8,006 > ttabel 2,03452 dan nilai signifikansi 0,000 < 0,05. Nilai Adjusted R Square sebesar 0,721 yang berarti bahwa 72,1% variasi Return on Assets dapat dijelaskan oleh DAR, DER, dan TATO, sedangkan 27,9% dipengaruhi oleh variabel lain di luar model penelitian. Kata Kunci: Debt to Asset Ratio, Debt to Equity Ratio, Total Asset Turnover, Return on Assets

PENGARUH PROFITABILITAS, LIKUIDITAS DAN SOLVABILITAS TERHADAP PERTUMBUHAN LABA PADA PERUSAHAAN RETAILING YANG TERDAFTAR DI BURSA EFEK INDONESIA PADA TAHUN 2022-2024 Nuraini; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6145

Abstract: This study was conducted to determine the effect of Return on Assets (ROA), Current Ratio (CR), and Debt to Equity Ratio (DER) on profit growth in Retail companies listed on the Indonesia Stock Exchange (IDX). The population in this study was all 31 Retail companies listed on the IDX for the period 2022–2024. A sample of 15 companies was determined using a purposive sampling method with an observation period of 3 years, resulting in a research sample of 45 observations. The analytical method used was multiple linear regression with a partial t-test, a simultaneous F-test, and a coefficient of determination (R²) at a significance level of 5%. The results showed that ROA, CR, and DER simultaneously significantly influenced profit growth, as evidenced by the calculated F value of 3.705 > Ftable 2.833 with a significance of 0.019 < 0.05. Partially, ROA had no effect on profit growth, with a calculated t value of 0.928 < ttable 2,01808 and a significance of 0.359 > 0.05. CR also had no effect on profit growth, with a calculated t value of 0.317 < ttable 2,01808 and a significance of 0.753 > 0.05. Meanwhile, the DER variable has a significant negative effect on profit growth with a calculated t value of -2.893 < -ttable 2,01808 and a significance of 0.006 < 0.05. The coefficient of determination (R²) is 0.156, which indicates that the ROA, CR, and DER variables are able to explain profit growth by 15.6%, while the remaining 84.4% is influenced by other variables outside this study. Keywords: Profitability (ROA), Liquidity (CR), Solvency (DER), and Profit Growth Abstrak: Penelitian ini dilakukan untuk mengetahui pengaruh variabel Return On Assets (ROA), Current Ratio (CR), dan Debt to Equity Ratio (DER) terhadap pertumbuhan laba pada perusahaan Retailing yang terdaftar di Bursa Efek Indonesia (BEI). Populasi dalam penelitian ini adalah 31 seluruh perusahaan Retailing yang terdaftar di BEI periode 2022–2024. Sampel sebanyak 15 perusahaan ditentukan dengan metode purposive sampling dengan periode pengamatan selama 3 tahun. sehingga didapat sampel penelitian sebanyak 45 pengamatan. Metode analisis yang digunakan adalah regresi linear berganda dengan uji t secara parsial, uji F secara simultan, dan koefisien determinasi (R²) dengan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara simultan ROA, CR, dan DER berpengaruh signifikan terhadap pertumbuhan laba, dibuktikan dengan nilai Fhitung sebesar 3,705 > Ftabel 2,833 dengan signifikansi 0,019 < 0,05. Secara parsial, ROA tidak berpengaruh terhadap pertumbuhan laba dengan nilai thitung 0,928 < ttabel 2,01808 dan signifikansi 0,359 > 0,05. Variabel CR juga tidak berpengaruh terhadap pertumbuhan laba dengan nilai thitung 0,317 < ttabel 2,01808 dan signifikansi 0,753 > 0,05. Sedangkan variabel DER berpengaruh signifikan negatif terhadap pertumbuhan laba dengan nilai thitung -2,893 < -ttabel 2,01808 dan signifikansi 0,006 < 0,05. Koefisien determinasi (R²) sebesar 0,156 yang menunjukkan bahwa variabel ROA, CR, dan DER mampu menjelaskan pertumbuhan laba sebesar 15,6%, sedangkan sisanya 84,4% dipengaruhi oleh variabel lain di luar penelitian ini. Kata Kunci: Profitabilitas (ROA), Likuiditas (CR), Solvabilitas (DER), dan Pertumbuhan Laba

PENGARUH MODAL KERJA DAN PROFITABILITAS TERHADAP NILAI PERUSAHAAN PADA PERUSAHAAN SEKTOR BARANG KONSUMSI TERDAFTAR DI BEI PERIODE 2021-2024 Ramatika; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6148

Abstract: This study aims to examine the effect of working capital and profitability on firm value, both partially and simultaneously, in consumer goods sector companies listed on the Indonesia Stock Exchange during the 2021–2024 period. This research adopts a quantitative approach with a descriptive design. The data were analyzed using multiple linear regression with the assistance of SPSS version 27. The results of the partial test (t-test) indicate that the Current Ratio (CR) has a negative and significant effect on firm value (Price to Book Value/PBV), with a significance value of 0.000 (< 0.05) and t-value exceeding the critical value in absolute terms (-2.594 > 2.00575). In contrast, Return on Assets (ROA) does not have a significant effect on PBV, as indicated by a significance value of 0.467 (> 0.05) and a t-value lower than the critical value (0.732 < 2.00575). Furthermore, the simultaneous test (F-test) shows that CR and ROA jointly have a significant effect on firm value, with a significance value of 0.000 (< 0.05) and an F-value greater than the critical value (3.792 > 3.17). The coefficient of determination (Adjusted R²) is 0.392, indicating that 39.2% of the variation in firm value can be explained by the independent variables, while the remaining 60.8% is influenced by other factors not included in this study. Keywords: Current Ratio (CR), Return on Assets (ROA), Price to Book Value (PBV) Abstrak: Penelitian ini bertujuan untuk mengetahui apakah modal kerja dan profitabilitas secara parsial dan simultan berpengaruh terhadap nilai perusahaan pada perusahaan sektor barang konsumsi yang terdaftar di BEI periode 2021-2024. Jenis penelitian ini adalah penelitian kuantitatif yang bersifat deskriptif. Analisis data dalam penelitian ini menggunakan model analisis regresi linier berganda dengan menggunakan SPSS 27 for windows. Berdasarkan hasil uji t diketahui bahwa hasil CR nilai signifikansi sebesar 0,000 < 0,05 dengan -thitung < -ttabel (-2,594 > 2,00575), artinya CR berpengaruh negatif terhadap PBV. ROA menunjukkan nilai signifikansi sebesar 0,467 > 0,05 dan nilai thitung < ttabel (0,732 < 2,00575), artinya ROA tidak berpengaruh terhadap PBV. Berdasarkan hasil uji F menunjukkan bahwa secara bersama-sama variabel CR dan ROA mempunyai pengaruh terhadap PBV dengan nilai signifikansi 0,000 (0,000 < 0,05) dan dengan nilai Fhitung > Ftabel (3,792 > 3,17). Hasil uji koefisien determinasi (Uji-R2), nilai adjusted R square sebesar 0,392 atau 39,2%. Hal ini berarti bahwa 39,2% ROA bisa dijelaskan oleh variasi dari ketiga variabel independen (NPM, CR, DER). Kata Kunci: Modal Kerja, Profitabilitas dan Nilai Perusahaan

PENGARUH LEVERAGE, PROFITABILITAS DAN FREE CASH FLOW TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN SEKTOR PROPERTI DAN REAL ESTATE DI BEI TAHUN 2022-2024 Nurun Nazmi Hayati; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6150

Abstract: This study aims to analyze the effect of Leverage, Profitability, and Free Cash Flow on Financial Performance in Property and Real Estate Companies Listed on the Indonesia Stock Exchange. The data used are secondary data. The study sample consisted of 14 companies with 3 years of observation, resulting in 42 observations. The analysis technique used was multiple linear regression analysis. The results showed that all independent variables simultaneously had a significant effect on financial performance, with an Fcout 2.978 > Ftable 2.85 and a significance value of 0.047 < 0.05. Partially, Leverage has a significant negative effect on financial performance with a calculated tcount -1.929 < ttable -2.02269 and a significant value of 0.041 < 0.05, Profitability has a significant effect on financial performance with a calculated tcount 0.229 < ttable 2.02269 and a significant value of 0.020 < 0.05 and Free Cash Flow has no effect and is not significant on financial performance with a calculated tcount 1.885 < ttable 2.02269 and a significant value of 0.067 > 0.05. Keywords: Leverage, Profitability, Free Cash Flow, Financial Performance Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh Leverage, Profitabilitas, dan Free Cash Flow terhadap Kinerja Keuangan pada Perusahaan Properti dan Real Estate yang Terdaftar di Bursa Efek Indonesia. Data yang digunakan adalah data sekunder. Sampel penelitian terdiri dari 14 perusahaan dengan masa 3 tahun pengamatan maka menghasilkan 42 pengamatan. Teknik analisis yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa semua variabel independen secara simultan memiliki pengaruh signifikan terhadap kinerja keuangan, dengan Fhitung 2,978 > Ftable 2,85 dan nilai signifikansi 0,047 < 0,05. Secara parsial, Leverage memiliki pengaruh negatif yang signifikan terhadap kinerja keuangan dengan nilai thitung -1,929 < ttable -2,02269 dan nilai signifikansi 0,041 < 0,05, Profitabilitas memiliki pengaruh yang signifikan terhadap kinerja keuangan dengan nilai thitung 0,229 < ttable 2,02269 dan nilai signifikansi 0,020 < 0,05, dan Free Cash Flow tidak berpengaruh dan tidak signifikan terhadap kinerja keuangan dengan nilai thitung 1,885 < ttable 2,02269 dan nilai signifikansi 0,067 > 0,05. Kata Kunci: Leverage, Profitabilitas, Free Cash Flow, Kinerja Keuangan

PENGARUH DEBT TO ASSET RATIO, CURRENT RATIO DAN DEBT TO EQUITY RATIO TERHADAP RETURN ON ASSET PADA PERUSAHAAN SUB SEKTOR HEAVY CONSTRUCTIONS AND CIVIL ENGINEERING YANG TERDAFTAR DI BEI Vina Pramudita; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6154

Abstract: This study was conducted to determine whether there is an influence of Debt to Asset Ratio (DAR), Current Ratio (CR), and Debt to Equity Ratio (DER) on Return on Assets in Heavy Constructions and Civil Engineering Sub-Sector Companies Listed on the IDX. The population in this study is Heavy Constructions and Civil Engineering Sub-Sector Companies Listed on the IDX. The sample was taken using purposive sampling, so that 8 observations were obtained as samples. And using multiple linear regression methods, classical assumption tests, simultaneous tests (F tests) and partial tests (t tests). The results of this study indicate that Debt To Asset Ratio (DAR), Current Ratio (CR), and Debt To Equity Ratio (DER) simultaneously do not affect Return On Asset (ROA) obtained F count F table value (1.520 <2.95). The partial test results of the DAR, CR, and DER variables do not affect ROA because the significant value of DAR is 0.385>0.05 and t count (0.883) <t table (2.04523). The CR variable partially has a significance of 0.283>0.05 with a t count value (1.094) <t table (2.04523). The DER variable partially has a significance of 0.236>0.05 with a value of -thitung (-1.212) <-t tabel (-2.04523). The Adjusted R Square value or coefficient of determination is 0.048. This means that 4.8% of the variation or change in Return On Asset is explained by variations in Debt To Asset Ratio, Current Ratio and Debt To Equity Ratio 95.2% is influenced by other variables outside the research model. Keywords: Debt To Asset Ratio, Current Ratio, Debt To Equity Ratio dan Return On Asset Abstrak: Penelitian ini dilakukan untuk mengetahui apakah ada Pengaruh Debt To Asset Ratio (DAR),Current Ratio (CR), Dan Debt To Equity Ratio (DER) Terhadap Return On Asset Pada Perusahaan Sub Sektor Heavy Constructions And Civil Engginering Yang Terdaftar Di BEI. Populasi dalam penelitian ini adalah Perusahaan Sub Sektor Heavy Constructions And Civil Engginering Yang Terdaftar Di BEI. Sampel yang diambil dengan menggunakan purposive Sampling,sehingga diperoleh 8 pengamatan sebagai sampel. Dan menggunakan metode regresi linier berganda,uji asumsi klasik,uji simultan (uji F) dan uji parsial (uji t). Hasil penelitian ini menunjukan bahwa Debt To Asset Ratio(DAR),Current Ratio(CR),dan Debt To Equity Ratio(DER) secara simultan tidak berpengaruh terhadap Return On Asset (ROA) diperoleh nilai Fhitung<Ftabel(1,520<2,95).Hasil uji parsial variabel DAR,CR,dan DER tidak berpengaruh terhadap ROA karena nilai signifikan DAR sebesar 0,385>0,05 dan thitung(0,883)<ttabel(2,04523).Variabel CR secara parsial memiliki signifikan sebesar 0,283>0,05 dengan nilai thitung(1,094)<ttabel(2,04523).Variabel DER secara parsial memiliki signifikan sebesar 0,236>0,05 dengan nilai -thitung(-1,212)<-ttabel(-2,04523).Nilai Adjusted R Square atau koefisien determinasi adalah 0,048.hal ini berarti 4,8% variasi atau perubahan dalam Return On Asset dijelaskan oleh variasi Debt To Asset Ratio,Current Ratio,dan Debt To Equity Ratio 95,2%dipengaruhi oleh variabel-variabel lain diluar model penelitian. Kata Kunci: Debt To Asset Ratio,Current Ratio,Debt To Equity Ratio dan Return On Asset

PENGARUH LIKUIDITAS, LEVERAGE DAN AKTIVITAS TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN SUB SEKTOR LAYANAN INDUSTRI YANG TERDAFTAR DI BURSA EFEK INDONESIA PADA PERIODE 2022-2024 Fatmah Sari; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 2 (2026): April 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i2.6245

Abstract: This study aims to determine partially and simultaneously whether the Current Ratio, Debt to Equity Ratio and Total Asset Turnover affect the financial performance of companies in the Industrial Services sub-sector listed on the IDX. The sampling of this study was conducted using purposive sampling techniques of 14 companies multiplied by 3 years of observation (2022-2024) so that 42 samples were obtained. The analysis method used was a multiple regression analysis method with the help of SPSS for windows software. The results of the t-test showed that partially CR had no significant effect on ROE with a tcal value (-2.546) < ttable (-2.02439), DER had a positive and significant effect on ROE with a tcal value (5.570) > ttable (2.02439), while TATO had no significant effect on ROE with a tcal value (-2.257) < ttable (-2.02439). The results of the F test showed that simultaneously CR, DER, and TATO had a significant effect on ROE with a Fcal value of 12.491 > a ttable of 2.85. The results of the determination coefficient test showed that the relationship between CR, DER, and TATO was able to explain the ROE of 49.7%, while 50.3% was influenced by other factors outside this study model. Keywords: Current Ratio, Debt to Equity Ratio, Total Asset Turnover, Return on Equity, Financial Performance Abstrak: Penelitian ini bertujuan untuk mengetahui secara parsial dan simultan Current Ratio, Debt to Equity Ratio dan Total Asset Turnover berpengaruh terhadap kinerja keuangan pada perusahaan sub sektor Layanan Industri yang terdaftar di BEI. Pengambilan sampel penelitian ini dengan teknik purposive sampling sebanyak 14 perusahaan dikali 3 tahun pengamatan (2022-2024) sehingga diperoleh 42 sampel. Metode analisis yang digunakan yaitu metode analisis regresi berganda dengan bantuan software SPSS for windows. Hasil uji t menunjukkan bahwa secara parsial CR tidak berpengaruh signifikan terhadap ROE dengan nilai thitung (-2,546) < ttabel (-2,02439), DER berpengaruh positif dan signifikan terhadap ROE dengan nilai thitung (5,570) > ttabel (2,02439), sedangkan TATO tidak berpengaruh signifikan terhadap ROE dengan nilai thitung (-2,257) < ttabel (-2,02439). Hasil uji F menunjukkan bahwa secara simultan CR, DER, dan TATO berpengaruh signifikan terhadap ROE dangan nilai Fhitung sebesar 12,491 > Ftabel 2,85. Hasil uji koefisien determinasi menunjukkan bahwa hubungan antara CR, DER, dan TATO mampu menjelaskan ROE sebesar 49,7%, sedangkan 50,3% dipengaruhi oleh faktor lain di luar model penelitian ini. Kata Kunci: Current Ratio, Debt to Equity Ratio, Total Asset Turnover, Return on Equity, Kinerja Keuangan

PENGARUH RETURN ON ASSETS, LOAN TO DEPOSIT RATIO, DAN NET INTEREST MARGIN TERHADAP PERTUMBUHAN LABA PADA BANK UMUM YANG TERDAFTAR DI BEI Mutia; Nisfu Fhitri
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol. 9 No. 3 (2026): June 2026
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v9i3.6408

Abstract: The results of the study are: Multiple linear regression analysis produces the equation Y = 1154.050 – 0.100 ROA + 0.078 LDR + 0.521 NIM + e. Thus, ROA (X1), LDR (X2), and NIM (X3) have a positive relationship with profit growth and decrease profit growth. The partial test (t-test) states that ROA (X1) has no effect on profit growth with a significant value of 0.357 > 0.05. And the calculated t-value (-0.928) > -ttable (-1.67065) so that H0 is accepted and H1 is rejected. LDR (X2) does not significantly affect profit growth by 0.247 > 0.05. With a calculated t value of 1.169 < ttable 1.67065 so that H0 is accepted H1 is rejected. and NIM (X3) significantly affects profit growth by 0.004 < 0.05. With a calculated t value of 3.013 > ttable 1.67065 so that H1 is accepted H0 is rejected. Simultaneous test (F-test) states that ROA. LDR. and NIM simultaneously affect profit growth with a significant value of 0.002 < 0.05 and Fcount < Ftable which is 5.547 > 2.76. So H2 is accepted and H1 is rejected. The R2-test produces an adjusted R square value of 0.180. meaning the correlation of independent variables ROA, LDR, and NIM contribute 18.0% to profit growth, while the remaining 82% is influenced by other factors not included in this research model. This means that ROA, LDR, and NIM have a negative impact on profit growth, with coefficients of <50%. Keywords: Return On Assets, Loan to Deposit Ratio, and Net Interest Margin on Profit Growth Abstrak: Hasil penelitian adalah Analisis regresi linier berganda menghasilkan persamaan Y=1154.050 – 0.100 ROA + 0.078 LDR + 0.521 NIM + e. Dengan demikian ROA (X1). LDR (X2) dan NIM (X3) memberikan hubungan positif terhadap pertumbuhan laba dan menurunkan pertumbuhan laba. Uji parsial (uji-t) menyatakan bahwa ROA (X1) tidak berpengaruh terhadap pertumbuhan laba dengan nilai signifikan sebesar 0.357 > 0.05. Dan nilai -thitung (-0.928) > -ttabel (-1.67065) sehingga H0 diterima dan H1 ditolak. LDR (X2) tidak berpengaruh terhadap pertumbuhan laba dengan signifikan sebesar 0.247 > 0.05. Dengan nilai thitung 1.169 < ttabel 1.67065 sehingga H0 diterima H1 ditolak. serta NIM (X3) berpengaruh terhadap pertumbuhan laba dengan nilai signifikan sebesar 0.004 < 0.05. Dengan nilai thitung 3.013 > ttabel 1.67065 sehingga H1 diterima H0 ditolak. Uji simutan (uji-F) menyatakan bahwa ROA. LDR. dan NIM berpengaruh secara simultan terhadap pertumbuhan laba dengan nilai signifikan 0.002 < 0.05 dan Fhitung < Ftabel yaitu 5.547 > 2.76. Maka H2 diterima dan H1 ditolak. Uji-R2 menghasilkan nilai adjusted R square adalah 0.180. artinya. korelasi variabel independen ROA. LDR. dan NIM memberikan pengaruh sebesar 18.0% terhadap pertumbuhan laba sedangkan sisanya 82% dipengaruhi oleh faktor-faktor lain yang tidak termasuk ke dalam model penelitian ini. Artinya. ROA. LDR dan NIM menghasilkan pengaruh yang kurang baik terhadap pertumbuhan laba dengan menghasilkan koefisien <50%. Kata kunci: Return On Assets, Loan To Deposit Ratio, Dan Net Interest Margin Terhadap Pertumbuhan Laba

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