PENGARUH NET INTEREST MARGIN (NIM), NON-PERFORMING LOAN (NPL), CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (RETURN ON ASSETS) PADA PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2023-2025

Calista Sanggel, Aprilia (2026) PENGARUH NET INTEREST MARGIN (NIM), NON-PERFORMING LOAN (NPL), CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP PROFITABILITAS (RETURN ON ASSETS) PADA PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2023-2025. [Tugas Akhir/Skripsi]

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Abstract

Penelitian ini dilakukan untuk menganalisis pengaruh Net Interest Margin (NIM), Non-Performing Loan (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Profitabilitas (Return on Assets) pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2023-2025. Variabel Net Interest Margin (NIM) dihitung melalui perbandingan pendapatan bunga bersih terhadap rata-rata aset produktif, variabel Non-Performing Loan (NPL) dihitung melalui perbandingan rasio kredit bermasalah terhadap total kredit, variabel Capital Adequacy Ratio (CAR) dihitung melalui perbandingan modal terhadap Aset Tertimbang Menurut Risiko (ATMR), variabel Loan to Deposit Ratio (LDR) dihitung melalui perbandingan total kredit terhadap pihak ketiga, variabel Biaya Operasional Pendapatan Operasional (BOPO) dihitung melalui perbandingan total biaya operasional terhadap total pendapatan operasional, sedangkan variabel profitabilitas dihitung menggunakan Return on Assets (ROA). Populasi yang digunakan berupa bank umum konvensional yang terdaftar di Bursa Efek Indonesia selama periode 2023-2025. Teknik pemilihan sampel menggunakan purposive sampling yang memperoleh 42 perusahaan sehingga total 126 data penelitian (firm years). Metode analisis yang digunakan adalah analisis regresi linnier berganda dengan menggunakan aplikasi SPSS versi 23. Hasil penelitian menunjukkan bahwa Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio, dan Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh terhadap Return on Assets (ROA), sedangkan Non-Performing Loan (NPL) tidak berpengaruh terhadap Return on Assets (ROA)

Item Type:	Tugas Akhir/Skripsi
Uncontrolled Keywords:	Net Interest Margin, Non-Performing Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, Biaya Operasional Pendapatan Operasional, Return on Assets.
Subjects:	H Social Sciences > HG Finance
Divisions:	Faculty of Economic and Business > Accounting Study Program
Depositing User:	43 Aprilia Calista Sanggel Uwks
Date Deposited:	20 Aug 2026 07:07
Last Modified:	20 Aug 2026 07:07
URI:	http://erepository.uwks.ac.id/id/eprint/23055

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