ANALISIS PENGARUH RETURN ON EQUITY DAN RETURN ON ASSETS TERHADAP PERTUMBUHAN LABA BERSIH PT. BNI (PERSERO) TBK JAKARTA

Lim, Delvia Sari (2026) ANALISIS PENGARUH RETURN ON EQUITY DAN RETURN ON ASSETS TERHADAP PERTUMBUHAN LABA BERSIH PT. BNI (PERSERO) TBK JAKARTA. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Return on Equity (ROE) dan Return on Assets (ROA) terhadap pertumbuhan laba bersih pada PT Bank Negara Indonesia (Persero) Tbk Jakarta selama periode 2015–2024. ROE menggambarkan kemampuan perusahaan dalam menghasilkan laba dari modal pemegang saham, sedangkan ROA menunjukkan sejauh mana aset perusahaan digunakan untuk memperoleh laba. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif kausal untuk menelaah hubungan antara variabel independen (ROE dan ROA) dengan variabel dependen (pertumbuhan laba bersih). Data diperoleh dari laporan keuangan tahunan BNI yang diakses melalui situs resmi perusahaan, Otoritas Jasa Keuangan (OJK), serta Bursa Efek Indonesia (BEI). Teknik pengambilan sampel menggunakan metode purposive sampling dengan total 40 data observasi. Analisis data dilakukan menggunakan perangkat lunak SPSS versi 27 melalui uji asumsi klasik (normalitas, multikolinearitas, heteroskedastisitas, dan autokorelasi), regresi linier berganda, uji t, uji F, serta koefisien determinasi. Hasil penelitian menunjukkan bahwa ROE dan ROA secara simultan berpengaruh signifikan terhadap pertumbuhan laba bersih, dengan kontribusi sebesar 27,4%. Secara parsial, kedua variabel juga berpengaruh positif dan signifikan terhadap pertumbuhan laba bersih. Temuan ini menegaskan pentingnya peningkatan efektivitas penggunaan modal dan aset dalam upaya memperkuat profitabilitas serta mendukung keberlanjutan kinerja keuangan BNI di masa mendatang./This study aims to analyze the influence of Return on Equity (ROE) and Return on Assets (ROA) on the net profit growth of PT Bank Negara Indonesia (Persero) Tbk Jakarta for the 2015–2024 period. ROE reflects a company’s ability to generate profit from shareholders’ equity, while ROA measures how effectively its assets are used to produce earnings. A quantitative approach with a causal associative method was applied to explore the relationship between the independent variables (ROE and ROA) and the dependent variable (net profit growth). The data were obtained from BNI’s annual financial reports accessed through the company’s official website, the Financial Services Authority (OJK), and the Indonesia Stock Exchange (IDX). Sampling was carried out using a purposive sampling technique, producing 40 observations. Data were analyzed using SPSS version 27 through classical assumption tests (normality, multicollinearity, heteroscedasticity, and autocorrelation), multiple linear regression, t-test, F-test, and determination coefficient analysis. The findings reveal that ROE and ROA simultaneously have a significant effect on net profit growth, contributing 27.4% to the variation. Partially, both variables also show a positive and significant impact. These results emphasize the importance of optimizing equity and asset utilization to enhance profitability and sustain BNI’s financial performance in the future.

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