PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON EQUITY PADA HIMPUNAN BANK MILIK NEGARA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2018-2022

SHINTA NURIA, 1900861201069 (2023) PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON EQUITY PADA HIMPUNAN BANK MILIK NEGARA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2018-2022. skripsi thesis, Universitas BATANGHARI Jambi.

Text (PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON EQUITY PADA HIMPUNAN BANK MILIK NEGARA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2018-2022) Sinta Nuria.pdf - Published Version Download (3MB)

Abstract

ABSTRACT SHINTA NURIA/ 1900861201069/ FACULTY OF ECONOMICS / FINANCE MANAGEMENT / CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING CREDIT RETURN AND OPERATING EXPENSES OPERATING INCOME ABOUT RETURN ON EQUITY IN HIMBARA WHICH ARE LISTED ON THE INDONESIAN STOCK EXCHANGE PERIOD 2018 – 2022 / 1ST ADVISOR. HJ. ATIKAH SE., MM., 2ND ADVISOR MASNUN S.E., M.S.Ak. Banks are the heart of a country's economy. The progress of a country's economy can be measured by the progress of the banking sector in that country. Considering the magnitude of banking influence on a country's economy does not mean that banks do not have problems or problems. One of the problems faced by banks is the problem of bank performance. This research is to see how the effect of Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Credit Return and Operating Expenses Operating Income on Return on equity. The author draws a hypothesis that the Capital Adequacy Ratio, Loan To Deposit Ratio, Non-Performing Credit Return and Operating Expenses Operating Income have an effect on Return On Equity. The research methodology used is descriptive analysis method and statistical analysis method. The data used is secondary data. Hypothesis testing was carried out using the F test and t test, with a significance level (α) of 5%. Data analysis used statistical data processing software, namely SPSS version 25 for windows. State-Owned Bank Associations (HIMBARA) are more popular with the public as a place to store or distribute their funds because they are considered safer and more reliable because they are owned by the state. A State-Owned Bank is a bank whose deed of establishment and capital are owned by the Indonesian Government, so that all bank profits are owned by the government as well. The results of the study prove that the Capital Adequacy Ratio, Loan To Deposit Ratio, Non-Performing Credit Return and Operating Expenses Operating Income have a simultaneous effect on Return On Equity. Partially the Variable Operating Expenses Operating Income affects the Return On Equity (Roe) of the State- Owned Bank Association (Himbara) Sub-Sector Listed on the Indonesia Stock Exchange for the period 2018 – 2022. The Return On Equity variable can be explained by the quality variable Capital Adequacy Ratio, Loan To Deposit Ratio, Non Performing Credit Return and Operating Expenses Operating Income of 62.80%, while the remaining 37.20% can be explained by other variables, namely not researched. in this research.

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