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All Journal Jurnal Kewirausahaan, Akuntansi, dan Manajemen TRI BISNIS
Cahaya, Yohanes
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Economics, Econometrics & Finance

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Analisa Pengaruh CAR, NPL dan LDR Terhadap ROA pada Bank BUMN Murtiningrum, Widiastuti; Cahaya, Yohanes
JURNAL KEWIRAUSAHAAN, AKUNTANSI DAN MANAJEMEN TRI BISNIS Vol 6 No 1 (2024): Jurnal Kewirausahaan, Akuntansi dan Manajemen Tri Bisnis
Publisher : STIE Tri Bhakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59806/tribisnis.v6i1.403

Abstract

One of the assessment indicators used in assessing the health condition of a bank is through the use of profitability ratios. One of the things that can affect profitability is the health condition of the bank which is reflected in the financial performance of the management of a bank. In this study, ROA will be used to measure profitability. ROA is able to describe how banking management uses its assets to make a profit. Some of the factors that affect banking performance are financial ratios, including Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Loan to Deposit Ratio (LDR). These three ratios can present There are several research gaps and factors that affect the financial performance of banking companies, making researchers interested in researching the influence of financial ratios such as CAR, NPL, and LDR on ROA. This study was conducted to find out and analyze the influence of CAR, NPL, and LDR on ROA in Persero Commercial Banks for the 2018-2023 Period. The dependent variable in this study is ROA and the independent variables are CAR, NPL, LDR. The data used in this study was obtained from the financial statements of the first quarter of 2018 to the fourth quarter of 2023 of Persero Commercial Bank for the 2018-2023 period which is available on the website of the Financial Services Authority (OJK). The method of this study is quantitative by using multiple linear regression analysis techniques for panel data. The results of this study show that CAR and LDR have a positive and significant effect on ROA. Meanwhile, NPL has a negative and significant effect on ROA. The effect of CAR, NPL, and LDR on ROA simultaneously was 86.28%.
Co-Authors Widiastuti Murtiningrum