THE INFLUENCE OF ASSET GROWTH, LDR, CAR, NPL, AND BOPO ON INDONESIAN BANKING ROA 2020-2024
DOI:
https://doi.org/10.35145/kurs.v11i1.5937Keywords:
Pertumbuhan Aset, LDR, CAR, NPL, BOPO, ROA, Asset GrowthAbstract
Studi ini bertujuan untuk meneliti pengaruh Pertumbuhan Aset, Rasio Pinjaman terhadap Simpanan (LDR), Rasio Kecukupan Modal (CAR), Kredit Macet (NPL), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Asset (ROA) pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia selama periode 2020-2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan dan menerapkan purposive sampling. Data dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa LDR, CAR, dan BOPO memiliki pengaruh signifikan terhadap ROA, sedangkan Pertumbuhan Aset dan NPL tidak berpengaruh. BOPO merupakan variabel yang paling dominan mempengaruhi ROA. Temuan ini menunjukkan bahwa efisiensi operasional dan manajemen modal memainkan peran penting dalam meningkatkan profitabilitas perbankan.
This study aims to examine the effect of Asset Growth, Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), and Operating Expenses to Operating Income (BOPO) on Return on Asset (ROA) in banking companies listed on the Indonesia Stock Exchange during the 2020-2024 period. The research uses a quantitative approach with secondary data obtained from the annual financial reports and applies purposive sampling. The data were analyzed using multiple linear regression. The result show that LDR, CAR, and BOPO have a significant effect on ROA, while Asset Growth and NPL do not. BOPO is the most dominant variable affecting ROA. These findings indicate that operational efficiency and capital management play an important role in improving banking profitability.
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