Pengaruh Loan to Deposit Ratio (LDR) Capital Adequacy Ratio (CAR) Terhadap Return On Asset (ROA) dan Biaya Operasional Pendapatan Operasional (BOPO) Pada BPR DP Taspen Periode (2016 – 2025)

Zagoto, Dentiros (2026) Pengaruh Loan to Deposit Ratio (LDR) Capital Adequacy Ratio (CAR) Terhadap Return On Asset (ROA) dan Biaya Operasional Pendapatan Operasional (BOPO) Pada BPR DP Taspen Periode (2016 – 2025). S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini dilakukan untuk menganalisis pengaruh Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Assets (ROA) pada PT BPR DP Taspen periode 2016–2025. Metode yang digunakan dalam penelitian ini adalah kuantitatif yang berfokus pada pengumpulan serta analisis data numerik dengan jenis penelitian asosiatif. Data yang dianalisis berupa data sekunder yang berasal dari laporan keuangan triwulan PT BPR DP Taspen selama periode penelitian Penelitian, sehingga diperoleh sebanyak 40 observasi. Analisis data dilakukan melalui statistic deskriptif, uji asumsi klasik, regresi linear berganda, uji parsial (uji t), uji simultan (uji F), serta uji koefisien determinasi (R²). seluruh proses pengolahan data dilakukan menggunakan aplikasi IBM SPSS Statistics versi 26. Berdasarkan hasil pengujian, Loan to Deposit Ratio (LDR) tidak menunjukkan pengaruh signifikan terhadap Return On Assets (ROA) dengan nilai signifikansi sebesar 0,826. Sebaliknya Capital Adequacy Ratio (CAR) terbukti memberikan pengaruh positif signifikan terhadap Return On Assets (ROA) dengan nilai signifikansi sebesar 0,048. Selain itu, Biaya Operasional Pendapatan Operasional (BOPO) memiliki pengaruh negatif dan signifikan terhadap Return On Assets (ROA) dengan nilai signifikansi 0,000. Hasil pengujian simultan menunjukan bahwa ketiga variabel independent tersebut secara Bersama-sama berpengaruh signifikan terhadap Return On Assets (ROA) dengan nilai signifikansi sebesar 0,000. Nilai Adjusted R Square sebesar 0,612 mengindikasikan bahwa 61,2% variasi Return On Assets (ROA) dapat dijelaskan oleh variabel Loan to Deposit Ratio (LDR) Capital Adequacy Ratio CAR), dan Biaya Operasional Pendapatan Operasional (BOPO), sedangkan sisanya 38,8% dipengaruhi oleh faktor lain di luar model penelitian. Kata Kunci: Loan to Deposit Ratio, Capital Adequacy Ratio, Biaya Operasional terhadap Pendapatan Operasional, Return on Assets / This study was conducted to analyze the effect of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Operating Costs to Operating Income (BOPO) on Return on Assets (ROA) at PT BPR DP Taspen for the period 2016–2025. The study used a quantitative approach with an associative research type. The data analyzed were secondary data derived from the quarterly financial reports of PT BPR DP Taspen during the research period, resulting in 40 observations. Data analysis was carried out through descriptive statistics, classical assumption tests, multiple linear regression, partial tests (t-test), simultaneous tests (F-test), and coefficient of determination (R²) tests. All data processing was carried out using the IBM SPSS Statistics version 26 application. Based on the test results, the Loan to Deposit Ratio (LDR) did not show a significant effect on Return On Assets (ROA) with a significance value of 0.826. On the other hand, Capital Adequacy Ratio (CAR) is proven to have a significant positive effect on Return On Assets (ROA) with a significance value of 0.048. In addition, Operating Costs Operating Income (BOPO) has a negatif and significant effect on Return On Assets (ROA) with a significance value of 0.000. The results of simultaneous testing show that the three independent variabels together have a significant effect on Return On Assets (ROA) with a significance value of 0.000. The Adjusted R Square value of 0.612 indicates that 61.2% of the variation in Return On Assets (ROA) can be explained by the variabels Loan to Deposit Ratio (LDR) Capital Adequacy Ratio CAR), and Operating Costs Operating Income (BOPO), while the remaining 38.8% is influenced by other faktors outside the research model. Keywords: Loan to Deposit Ratio, Capital Adequacy Ratio, Operating Expenses to Operating Income, Return on Assets.

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