Pengaruh Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Himpunan Bank Milik Negara (HIMBARA) yang terdaftar di Bursa Efek Indonesia Periode 2016-2023 - Sundari, Wiwik; Priyanto, Aria Aji (CV. Rayyan Dwi Bharata, 2024)
This research aims to determine the effect of Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) on Return on Assets (ROA) in the Association of State-Owned Banks listed on the Indonesia Stock Exchange for the 2016-2023 period. The type of research used is quantitative with associative methods. The data source used is secondary data. Data analysis techniques use descriptive statistics, panel data regression model analysis, model suitability test, classical assumption test, multiple linear regression analysis, hypothesis testing and coefficient of determination with data management using eviews 13. The results of the study show that the Capital Adequacy Ratio (CAR) is partially has a significant effect on Return On Assets (ROA). Meanwhile, the Loan to Deposit Ratio (LDR) partially has no significant effect on Return On Assets (ROA). The F test results show that the Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) simultaneously have a significant effect on Return On Assets (ROA). Penelitian ini bertujuan untuk mengetahui Pengaruh Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Himpunan Bank Milik Negara yang terdaftar di Bursa Efek Indonesia Periode 2016-2023. Jenis penelitian yang digunakan adalah kuantitatif dengan metode asosiatif. Sumber data yang digunakan data sekunder. Teknik analisa data menggunakan statistik deskriptif, analisis model regresi data panel, uji kesesuaian model, uji asumsi klasik, analisis regresi linear berganda, uji hipotesis dan koefisien determinasi dengan pengelolaan data menggunakan eviews 13. Hasil penelitian menunjukkan bahwa Capital Adequacy Ratio (CAR) secara parsial berpengaruh signifikan terhadap Return On Asset (ROA). Sedangkan Loan to Deposit Ratio (LDR) secara parsial tidak berpengaruh signifikan terhadap Return On Asset (ROA). Hasil uji F menunjukkan bahwa Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) secara simultan berpengaruh signifikan terhadap Return On Asset (ROA).