PENGARUH CAPITAL ADEQUACY RATIO, LOAN DEPOSIT RATIO DAN NET INTEREST MARGIN TERHADAP RETURN ON ASSETS PADA INDUSTRI PERBANKAN BUMN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010-2020

Ereka Gustiana, Ereka Gustiana (2022) PENGARUH CAPITAL ADEQUACY RATIO, LOAN DEPOSIT RATIO DAN NET INTEREST MARGIN TERHADAP RETURN ON ASSETS PADA INDUSTRI PERBANKAN BUMN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2010-2020. skripsi thesis, Universitas Batanghari.

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Abstract

ABSTRACT Ereka Gustiana/18008161201044/The Influence of Capital Adequacy Ratio, Loan Deposit Ratio and Net Interest Margin on Return on Assets in the State-Owned Enterprise Banking Industry Listed on the Indonesia Stock Exchange Period 2010-2020/ Pantun Bukit, SE, M.Si first supervisor and Susi Artati, S,E., M.S.Ak. second supervisor. This study aims to determine the development and influence of the Capital Adequacy Ratio, Loan Deposit Ratio and Net Interest Margin on Return on Assets in the BUMN Banking Industry Listed on the Indonesia Stock Exchange for the 2010-2020 period. The objects of this research are 4 state-owned banks listed on the Indonesia Stock Exchange (IDX). Where this state-owned company has total assets, total capital, total liabilities and share prices in large numbers and the role of state-owned companies is very large in the Indonesian economy and as a company managed directly by the government, it is hoped that state-owned companies will be able to compete in improving and maintaining their maximum performance. so that it will have a positive effect on the national economy as a whole. Based on the results of hypothesis testing using multiple linear analysis in this study, it can be concluded simultaneously that cash ratio, loan deposit ratio and non-perfoming loan have no significant effect on return on assets. The partial conclusion that cash ratio and non-perfomin loan has no effect on return on assets, only loan deposit ratio affects return on assets. From the results of the determination coefficient or (R Square) test results from the regression results of both independent variables (Cash Ratio, Loan Deposit Ratio and Non Perfoming Loan) against return on assets of 16.3% and the remaining 83.7% influenced by other factors not studied in the study. From the results of the discussion, it can be concluded the results of the F test, Fhitung > Ftabel or 27,388 > 2.8387 with a significant value of 0.000, then H0 was rejected and Ha was accepted. This means that with a confidence level of 100% it can be concluded that capital adequacy ratio, loan deposit ratio and net interest margin simultaneously have a significant effect on return on assets of 67.3% in state-owned banks listed on the Indonesia Stock Exchange for the period 2010-2020. Based on the partial t test, variable capital adequacy ratio thitung < ttabel, or 0.472 < 2.021 then H0 is accepted and Ha is rejected. From the results of the test can be concluded, the variable capital adequacy ratio has no significant effect on return on assets. The variable loan deposit ratio thitung < ttabel, or 1,323 < 2,120, then H0 is accepted and Ha is rejected. From the results of the test can be concluded, the variable loan deposit ratio has no significant effect on return on assets. Variable net interest margin thitung > ttabel, or 8,168 > 2,021 then H0 rejected and Ha accepted. From the results of the test can be concluded, the net interest margin variable has a significant effect on return on assets with a regression coefficient of 0.619. Based on the results of the conclusions, it can be given advice, for researchers are further expected to test other factors that may affect the return on vi assets. In addition, the observation period is expected to use the latest year in order to provide an updated picture of the factors that affect return on assets. In order for this research to be used in general and widely, then for the next researcher, the research subject is not limited to only companies engaged in other fields listed in the IDX and for future research is expected to use a different research model from this study. For the authors, this study needs to be refined in order to increase knowledge about capital adequacy ratio, loan deposit ratio, net interest margin and return on assets. vii ABSTRACT Ereka Gustiana/18008161201044/The Influence of Capital Adequacy Ratio, Loan Deposit Ratio and Net Interest Margin on Return on Assets in the State-Owned Enterprise Banking Industry Listed on the Indonesia Stock Exchange Period 2010-2020/ Pantun Bukit, SE, M.Si first supervisor and Susi Artati, S,E., M.S.Ak. second supervisor. This study aims to determine the development and influence of the Capital Adequacy Ratio, Loan Deposit Ratio and Net Interest Margin on Return on Assets in the BUMN Banking Industry Listed on the Indonesia Stock Exchange for the 2010-2020 period. The objects of this research are 4 state-owned banks listed on the Indonesia Stock Exchange (IDX). Where this state-owned company has total assets, total capital, total liabilities and share prices in large numbers and the role of state-owned companies is very large in the Indonesian economy and as a company managed directly by the government, it is hoped that state-owned companies will be able to compete in improving and maintaining their maximum performance. so that it will have a positive effect on the national economy as a whole. Based on the results of hypothesis testing using multiple linear analysis in this study, it can be concluded simultaneously that cash ratio, loan deposit ratio and non-perfoming loan have no significant effect on return on assets. The partial conclusion that cash ratio and non-perfomin loan has no effect on return on assets, only loan deposit ratio affects return on assets. From the results of the determination coefficient or (R Square) test results from the regression results of both independent variables (Cash Ratio, Loan Deposit Ratio and Non Perfoming Loan) against return on assets of 16.3% and the remaining 83.7% influenced by other factors not studied in the study. From the results of the discussion, it can be concluded the results of the F test, Fhitung > Ftabel or 27,388 > 2.8387 with a significant value of 0.000, then H0 was rejected and Ha was accepted. This means that with a confidence level of 100% it can be concluded that capital adequacy ratio, loan deposit ratio and net interest margin simultaneously have a significant effect on return on assets of 67.3% in state-owned banks listed on the Indonesia Stock Exchange for the period 2010-2020. Based on the partial t test, variable capital adequacy ratio thitung < ttabel, or 0.472 < 2.021 then H0 is accepted and Ha is rejected. From the results of the test can be concluded, the variable capital adequacy ratio has no significant effect on return on assets. The variable loan deposit ratio thitung < ttabel, or 1,323 < 2,120, then H0 is accepted and Ha is rejected. From the results of the test can be concluded, the variable loan deposit ratio has no significant effect on return on assets. Variable net interest margin thitung > ttabel, or 8,168 > 2,021 then H0 rejected and Ha accepted. From the results of the test can be concluded, the net interest margin variable has a significant effect on return on assets with a regression coefficient of 0.619. Based on the results of the conclusions, it can be given advice, for researchers are further expected to test other factors that may affect the return on vi assets. In addition, the observation period is expected to use the latest year in order to provide an updated picture of the factors that affect return on assets. In order for this research to be used in general and widely, then for the next researcher, the research subject is not limited to only companies engaged in other fields listed in the IDX and for future research is expected to use a different research model from this study. For the authors, this study needs to be refined in order to increase knowledge about capital adequacy ratio, loan deposit ratio, net interest margin and return on assets. vii ABSTRACT Ereka Gustiana/18008161201044/The Influence of Capital Adequacy Ratio, Loan Deposit Ratio and Net Interest Margin on Return on Assets in the State-Owned Enterprise Banking Industry Listed on the Indonesia Stock Exchange Period 2010-2020/ Pantun Bukit, SE, M.Si first supervisor and Susi Artati, S,E., M.S.Ak. second supervisor. This study aims to determine the development and influence of the Capital Adequacy Ratio, Loan Deposit Ratio and Net Interest Margin on Return on Assets in the BUMN Banking Industry Listed on the Indonesia Stock Exchange for the 2010-2020 period. The objects of this research are 4 state-owned banks listed on the Indonesia Stock Exchange (IDX). Where this state-owned company has total assets, total capital, total liabilities and share prices in large numbers and the role of state-owned companies is very large in the Indonesian economy and as a company managed directly by the government, it is hoped that state-owned companies will be able to compete in improving and maintaining their maximum performance. so that it will have a positive effect on the national economy as a whole. Based on the results of hypothesis testing using multiple linear analysis in this study, it can be concluded simultaneously that cash ratio, loan deposit ratio and non-perfoming loan have no significant effect on return on assets. The partial conclusion that cash ratio and non-perfomin loan has no effect on return on assets, only loan deposit ratio affects return on assets. From the results of the determination coefficient or (R Square) test results from the regression results of both independent variables (Cash Ratio, Loan Deposit Ratio and Non Perfoming Loan) against return on assets of 16.3% and the remaining 83.7% influenced by other factors not studied in the study. From the results of the discussion, it can be concluded the results of the F test, Fhitung > Ftabel or 27,388 > 2.8387 with a significant value of 0.000, then H0 was rejected and Ha was accepted. This means that with a confidence level of 100% it can be concluded that capital adequacy ratio, loan deposit ratio and net interest margin simultaneously have a significant effect on return on assets of 67.3% in state-owned banks listed on the Indonesia Stock Exchange for the period 2010-2020. Based on the partial t test, variable capital adequacy ratio thitung < ttabel, or 0.472 < 2.021 then H0 is accepted and Ha is rejected. From the results of the test can be concluded, the variable capital adequacy ratio has no significant effect on return on assets. The variable loan deposit ratio thitung < ttabel, or 1,323 < 2,120, then H0 is accepted and Ha is rejected. From the results of the test can be concluded, the variable loan deposit ratio has no significant effect on return on assets. Variable net interest margin thitung > ttabel, or 8,168 > 2,021 then H0 rejected and Ha accepted. From the results of the test can be concluded, the net interest margin variable has a significant effect on return on assets with a regression coefficient of 0.619. Based on the results of the conclusions, it can be given advice, for researchers are further expected to test other factors that may affect the return on vi assets. In addition, the observation period is expected to use the latest year in order to provide an updated picture of the factors that affect return on assets. In order for this research to be used in general and widely, then for the next researcher, the research subject is not limited to only companies engaged in other fields listed in the IDX and for future research is expected to use a different research model from this study. For the authors, this study needs to be refined in order to increase knowledge about capital adequacy ratio, loan deposit ratio, net interest margin and return on assets. vii

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