Faktor-Faktor yang Mempengaruhi Return On Asset pada PT BPR Daya Perdana Nusantara Periode 2019-2023

Karang, Anastasia Magdalena Mua (2024) Faktor-Faktor yang Mempengaruhi Return On Asset pada PT BPR Daya Perdana Nusantara Periode 2019-2023. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini mempunyai tujuan untuk menganalisis faktor-faktor yang mempengaruhi Return On Asset (ROA) selain Non Perfoming Loan (NPL) pada PT BPR Daya Perdana Nusantara. Metode yang digunakan dalam penelitian ini adalah metode deskriptif dan jenis penelitian kualitatif. Lokasi penelitian pada PT BPR Daya Perdana Nusantara. Metode pengumpulan data dengan menggunakan studi kepustakaan dan dokumentasi. Metode analisis data dengan mengumpulkan data�data yang relevan seperti laporan keuangan, kebijakan yang dikeluarkan oleh BPR, serta kondisi ekonomi. Dari penelitian ini diambil kesimpulan bahwa Return On Asset (ROA) tidak selalu berpengaruh dari Non Perfoming Loan, namun terdapat beberapa faktor yang mempengaruhi Return On Asset (ROA) seperti, Biaya Operasional Pendapatan Operasional (BOPO) dan Loan To Deposito Ratio (LDR). diluar kedua faktor tersebut diketahui bahwa Kredit yang diberkan dan Pendapatan bunga juga berpengaruh terhadap Return On Asset. Kemudian strategi untuk meningkatkan Return On Asset yaitu dengan menjaga kualitas aset, memberikan kredit dengan memperhatikan prinsip kredit, meningkatkan ekspansi kredit dan mengoptimalkan dana pihak ketiga. Kata Kunci : Return On Asset (ROA), Non Perfoming Loan (NPL), Rasio Keuangan, Loan To Deposito Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO). / This study aims to analyze the factors that affect Return On Asset (ROA) other than Non Perfoming Loan (NPL) at PT BPR Daya Perdana Nusantara. The method used in this study ar descriptive methods and qualitative research types. The location of the research at PT BPR Daya Perdana Nusantara. The data collection methods uses literature studies and documentation. The data analysis method is by collecting relevant data such as financial statements, policies issued by BPR, and economic conditions. From this study, it is concluded that Return On Asset (ROA) does not always affect Non-Performing Loan, but there are several factors that affect Return On Asset (ROA) such as, Operating Expenses, Operating Income (BOPO), and Loan To Deposit Ratio (LDR). Beyond these two factors, it is known that the credit provided and interest income also affect the Return On Asset. Then the strategy to increase Return On Asset is to maintain the quality of the ase, provide credit by paying attention to credit principles, incrase credit expansion and optimize third�party funds. Keywords: Return On Asset (ROA), Non Perfoming Loan (NPL), Financial Ratio, Loaan T o Deposito Ratio (LDR), Operating Cost Operating Income (BOPO).

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