PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET PADA HIMPUNAN BANK MILIK NEGARA PERIODE 2015 – 2022

SARAH ANDANITA, 2000861201008 (2024) PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET PADA HIMPUNAN BANK MILIK NEGARA PERIODE 2015 – 2022. skripsi thesis, Universitas BATANGHARI Jambi.

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Abstract

The objectives of this research are as follows: 1.) To determine and analyze the influence of the Capital Adequacy Ratio, Loan To Deposit Ratio, Non-Performing Loans and Operational Income Operating Expenses simultaneously on Return On Assets in the Association of State-Owned Banks for the 2015 - 2022 period. 2 .) To determine and analyze the influence of the Capital Adequacy Ratio, Loan To Deposit Ratio, Non-Performing Loans and Operational Expenses on Operational Income partially on Return On Assets in the Association of State-Owned Banks for the 2015 - 2022 period. The type of data needed and collected in this study is secondary data. The source of data used in this research is from the annual report through the official website https://www.bni.co.id,https://www.bri.co.id,https://www.btn.co.id,https://www.mandiri.co.id. PT. Bank Negara Indonesia (Persero), Tbk was originally established in Indonesia as a central bank with the name "Bank Negara Indonesia" based on Government Regulation in Lieu of Law Number 2 of 1946 dated 5 July 1946. Bank Rakyat Indonesia may be said to be the oldest bank, because it was established before Indonesia became independent around 1895. Bank Tabungan Negara as a state- owned bank was established by Law no. 20 of 1968 dated 19 December 1968. PT Bank Mandiri Tbk, hereinafter referred to as Bank Mandiri was founded in Indonesia on 2 October 1998 based on government regulation Number 75 of 1998 dated 1 October 1998. The results of multiple regression analysis with panel data can be obtained from the regression equation model Y = 5.275 + 0.134 X1 + 0.010 X2 – 0.345 X3 – 0.073 X4 + e. The R Square value is 0,908, which means that the contribution of the independent variables, namely Capital Adequacy Ratio, Loan To Deposit Ratio, Non-Performing Loans and Operational Income Operating Expenses, influences the Return On Asset variable by 90.8%, while the remaining 9.2% is influenced by variables. -other variables outside this research. There is a significant positive influence between Capital Adequacy Ratio, Loan To Deposit Ratio, Non-Performing Loans and Operational Income Operating Expenses simultaneously on Return On Assets. Capital Adequacy Ratio has a positive and significant effect on Return On Assets. Loan to Deposit Ratio has a positive and insignificant effect on Return On Assets. Non-Performing Loans and Operational Expenses Operational Income has a negative and significant effect on Return On Assets.

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