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Abstract:
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Return On Assets (ROA) is a ratio used to estimate the company's
management in obtaining overall profits caused by several factors. This study
aims to determine and analyze the effect of Operational Income Operating Costs
(BOPO), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) on Return
On Assets (ROA) in Banking Companies Listed on the Indonesia Stock Exchange.
This research is important because it is to find out and analyze how much the
factors influence ROA, as well as to assess banking capabilities in managing the
quality of banking effectiveness as a whole. This research method uses
quantitative descriptive research. This study uses secondary data in the form of
annual financial reports of banking companies listed on the IDX for the 2018-
2022 period. The population of this study is a bank listed on the IDX as many as
46 banks. The sampling technique used purposing sampling with 3 criteria, so
that the samples in this study were 23 banking companies. This study uses tools to
analyze data with the IBM SPSS version 29 program.
The result of this analysis is that BOPO has a negative and significant effect
on ROA. LDR has no significant effect on ROA. NIM has a positive and
significant effect on ROA. BOPO, LDR, and NIM simultaneously have a positive
and significant effect on ROA. This research can be used by company
management to pay more attention to the company's BOPO and NIM values so
that it can stabilize finances and can encourage investors to invest their capital,
and company management can also pay attention to managing credit that will be
given to customers to minimize the occurrence of problem loans. |