ANALISIS CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, NON-PERFORMING LOAN, DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSETS
(Studi pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia pada Periode 2021–2025)
DOI:
https://doi.org/10.23969/jp.v11i3.66887Keywords:
Capital Adequacy Ratio; Loan to Deposit Ratio; Non-Performing Loan; Operating Expenses to Operating Income; Return on Assets.Abstract
This study aims to analyze the effect of capital adequacy ratio, Loan to Deposit Ratio, Non-Performing Loan, and operating expenses to operating income on Return on Assets of banking companies listed on the Indonesia Stock Exchange during 2021–2025. The study employed a quantitative approach using secondary data obtained from annual financial reports. The sample consisted of 34 banking companies selected through purposive sampling, resulting in 170 observations. Data were analyzed using panel data regression with Stata 17. Based on the model selection tests, the Fixed Effect Model was selected and estimated using robust standard errors to address model assumption violations. The results show that CAR has no significant effect on ROA, LDR has a positive and significant effect on ROA, NPL has no significant effect on ROA, while BOPO has a negative and significant effect on ROA. Simultaneously, CAR, LDR, NPL, and BOPO significantly affect ROA. The overall R-squared of 0.5784 indicates that the model explains 57.84% of the variation in ROA, while the remaining 42.16% is explained by other factors outside the model.Downloads
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