Pengaruh Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Proftitabilitas Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia

Natalia, Nauli (2024) Pengaruh Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Proftitabilitas Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini berupaya untuk mengetahui pengaruh Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia. Metode yang digunakan dalam penelitian ini adalah penelitian hubungan sebab akibat, menggunakan metode kuantitatif, dan sumber datanya adalah laporan keuangan yang diakses melalui situs resmi masing-masing bank. Penelitian ini menerapkan purposive sampling dengan 4 kriteria digunakan untuk pengambilan sampel. Sampelterdiri dari15 perusahaan dan pengamatan dilakukan selama 10 tahun, dari 2014 hingga 2023. Sebanyak 150 data dianalisis menggunakan uji hipotesis klasik, analisis regresi linier berganda, uji koefisien determinasi dan uji hipotesis. uji-t dan uji-f. Data dianalisis oleh penulis dengan menggunakan aplikasi perangkat lunak SPSS 26. Penelitian ini menghasilkan kesimpulan bahwa uji normaliltas menunjukkan distribusi normal, tidak ada indikasi heteroskedastisitas, tidak terjadi multikolinearitas, dan tidak terdeteksi autokorelasi berdasarkan uji asumsi klasik. Pengujian hipotesis dengan uji t menunjukkan bahwa NPL tidak memberikan pengaruh signifikan dan negatif terhadap ROA, sementara LDR menunjukkan pengaruh signifikan dan positif terhadap ROA, dan BOPO menunjukkan pengaruh signifikan dan negatif. Adapun semua variabel independen secara simultan memberikan pengaruh terhadap variabel dependen. Kata Kunci: NPL, LDR, BOPO, ROA. / This study seeks to determine the influence of Non-Performing Loans (NPL), Loan To Deposit Ratio (LDR), Operating Costs Operating Income (BOPO) on the profitability of conventional commercial banks listed on the Indonesia Stock Exchange. The method used in this study is causal relationship research, using quantitative methods, and the data source is financial statements accessed through the official website of each bank. This study applies purposive sampling with 4 criteria used for sampling. The sample consisted of 15 companies and observations were made over 10 years, from 2014 to 2023. A total of 150 data were analyzed using classical hypothesis tests, multiple linear regression analysis, determination coefficient tests and hypothesis tests. T-test and F-test. The data was analyzed by the authors using the SPSS 26 software application. This study resulted in the conclusion that the normality test showed a normal distribution, no indication of heteroscedasticity, no multicollinearity, and no autocorrelation was detected based on the classical assumption test. Testing the hypothesis with the t-test showed that NPL did not exert a significant and negative influence on ROA, while LDR showed a significant and positive influence on ROA, and BOPO showed a significant and negative influence. All independent variables simultaneously exert an influence on the dependent variables. Keywords: NPL, LDR, BOPO, ROA.

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