PENGARUH PENDANAAN TERHADAP TINGKAT PROFITABILITAS PADA BANK UMUM (Studi Empiris Bank Umum Yang Terdaftar di BEI Tahun 2017-2021)
Total View This Week0
Total View This Week0
Institusion
Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta
Author
Pratiwi, Yessy
Subject
Akuntansi Keuangan
Datestamp
2023-01-07 04:42:38
Abstract :
Setelah wabah Covid-19 sudah mulai membaik, perkembangan pasar disegala sektor juga sudah mulai pulih kembali salah satu nya disektor perbankan. Perbankan mempunyai pengaruh yang sangat besar bagi kehidupan masyarakat baik pribadi maupun perusahaan untuk melakukan pinjaman dana dalam menjalankan aktivitasnya. Salah satu yang dapat mengukur kinerja suatu bank adalah melalui laporan keuangan yaitu dengan melihat Return on Assets bank tersebut. Dalam meningkatkan Return on Assets perusahaan, maka banyak faktor-faktor yng perlu diperhatikan antara lain Loan to Deposit Ratio (LDR), Car Adequacy Ratio (CAR), Beban Operasional Beban Pendapatan Operasional (BOPO) dan Non Performing Loan (NPL). Tujuan penelitian ini adalah untuk megetahui pengaruh secara parsial dan simultan LDR, CAR, BOPO dan NPL terhadap ROA pada bank umum yang tecatat di BEI periode 2017-2021. Penelitian ini merupakan penelitian statistik deskriptif dengan metode pengambilan sample menggunakan purposive sampling dan analisis data denga program SPSS ((Statistic Product and Service Solution). Hasil dari penelitian ini menunjukkan secara parsial LDR dan CAR tidak berpengaruh signifikan terhadap ROA. Sedangkan BOPO dan NPL mempunyai pengaruh negatif signifikan terhadap ROA. Dan secara simultan LDR, CAR, BOPO dan NPL mempunyai pengaruh signifikan terhadap ROA Kata Kunci: LDR, CAR, BOPO, NPL, ROA, Profitabilitas. After the Covid-19 outbreak has started to improve, market developments in all sectors have also started to recover, one of which is in the banking sector. Banking has a huge influence on people's lives, both individuals and companies, to borrow funds in carrying out their activities. One that can measure the performance of a bank is through financial statements, namely by looking at the bank's Return on Assets. In increasing the company's Return on Assets, there are many factors that need to be considered, including Load Depsot Ratio (LDR), Car Adequacy Ratio (CAR), Operating Expenses, Operating Income Expense (BOPO) and Non Performing Loans (NPL). The purpose of this study was to determine the partial and simultaneous effect of LDR, CAR, BOPO and NPL on ROA at commercial banks listed on the IDX for the period 2017-2021. This research is a descriptive statistical research with sampling method using purposive sampling and data analysis with SPSS program (Statistic Product and Service Solution). The results of this study show that partially LDR and CAR have no significant effect on ROA. Meanwhile, BOPO and NPL have a significant negative effect on ROA. And simultaneously LDR, CAR, BOPO and NPL have a significant effect on ROA. Keywords : LDR, CAR, BOPO, NPL, Profitability
Setelah wabah Covid-19 sudah mulai membaik, perkembangan pasar disegala sektor juga sudah mulai pulih kembali salah satu nya disektor perbankan. Perbankan mempunyai pengaruh yang sangat besar bagi kehidupan masyarakat baik pribadi maupun perusahaan untuk melakukan pinjaman dana dalam menjalankan aktivitasnya. Salah satu yang dapat mengukur kinerja suatu bank adalah melalui laporan keuangan yaitu dengan melihat Return on Assets bank tersebut. Dalam meningkatkan Return on Assets perusahaan, maka banyak faktor-faktor yng perlu diperhatikan antara lain Loan to Deposit Ratio (LDR), Car Adequacy Ratio (CAR), Beban Operasional Beban Pendapatan Operasional (BOPO) dan Non Performing Loan (NPL). Tujuan penelitian ini adalah untuk megetahui pengaruh secara parsial dan simultan LDR, CAR, BOPO dan NPL terhadap ROA pada bank umum yang tecatat di BEI periode 2017-2021. Penelitian ini merupakan penelitian statistik deskriptif dengan metode pengambilan sample menggunakan purposive sampling dan analisis data denga program SPSS ((Statistic Product and Service Solution). Hasil dari penelitian ini menunjukkan secara parsial LDR dan CAR tidak berpengaruh signifikan terhadap ROA. Sedangkan BOPO dan NPL mempunyai pengaruh negatif signifikan terhadap ROA. Dan secara simultan LDR, CAR, BOPO dan NPL mempunyai pengaruh signifikan terhadap ROA Kata Kunci: LDR, CAR, BOPO, NPL, ROA, Profitabilitas. After the Covid-19 outbreak has started to improve, market developments in all sectors have also started to recover, one of which is in the banking sector. Banking has a huge influence on people's lives, both individuals and companies, to borrow funds in carrying out their activities. One that can measure the performance of a bank is through financial statements, namely by looking at the bank's Return on Assets. In increasing the company's Return on Assets, there are many factors that need to be considered, including Load Depsot Ratio (LDR), Car Adequacy Ratio (CAR), Operating Expenses, Operating Income Expense (BOPO) and Non Performing Loans (NPL). The purpose of this study was to determine the partial and simultaneous effect of LDR, CAR, BOPO and NPL on ROA at commercial banks listed on the IDX for the period 2017-2021. This research is a descriptive statistical research with sampling method using purposive sampling and data analysis with SPSS program (Statistic Product and Service Solution). The results of this study show that partially LDR and CAR have no significant effect on ROA. Meanwhile, BOPO and NPL have a significant negative effect on ROA. And simultaneously LDR, CAR, BOPO and NPL have a significant effect on ROA. Keywords : LDR, CAR, BOPO, NPL, Profitability
Download
book
BibTex
Latex, Jabref
cloud_download
Original Resource
url resource Institution
