Pengaruh Biaya Operasional Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), dan Net Interest Margin (NIM) Terhadap Return On Asset (ROA) pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia

Abstract

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.