ANALISIS PENGARUH MODAL INTI, CAR, NPL, LDR, DAN BOPO TERHADAP RETURN ON ASSETS PADA PT BPR DARMAWAN ADHIGUNA LESTARI

Harita, Syukur Tri Kasih (2025) ANALISIS PENGARUH MODAL INTI, CAR, NPL, LDR, DAN BOPO TERHADAP RETURN ON ASSETS PADA PT BPR DARMAWAN ADHIGUNA LESTARI. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan untuk menelaah sejauh mana pengaruh Modal Inti, Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), serta Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap Return on Assets (ROA) pada PT BPR Darmawan Adhiguna Lestari. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan jenis penelitian eksplanatori asosiatif kausal. Data yang digunakan berasal dari laporan keuangan triwulanan perusahaan selama periode 2014–2024. Analisis data dilakukan menggunakan regresi linier berganda dengan serangkaian uji asumsi klasik, meliputi uji normalitas, multikolinearitas, heteroskedastisitas, serta pengujian hipotesis melalui uji t dan uji F untuk melihat pengaruh secara parsial maupun simultan terhadap ROA. Hasil analisis menunjukkan bahwa secara parsial, variabel modal inti, CAR, NPL, LDR, dan BOPO memberikan pengaruh yang berbeda terhadap ROA. Sedangkan secara simultan, kelima variabel tersebut berpengaruh signifikan terhadap tingkat profitabilitas perusahaan. Model regresi yang digunakan juga mampu menjelaskan sebagian besar variasi dalam ROA. Temuan ini menekankan pentingnya pengelolaan modal inti yang kuat, pengendalian risiko kredit, peningkatan efisiensi operasional, serta pengaturan likuiditas yang optimal untuk mendukung peningkatan kinerja keuangan BPR./This study aims to examine the influence of Core Capital, Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) at PT BPR Darmawan Adhiguna Lestari. The research employs a quantitative approach with an explanatory causal associative method. The data used consist of the company’s quarterly financial reports for the 2014–2024 period. Data analysis is conducted using multiple linear regression, accompanied by classical assumption tests, including normality, multicollinearity, and heteroscedasticity tests, as well as t-tests and F-tests to evaluate the partial and simultaneous effects of the independent variables on ROA. The results indicate that, partially, Core Capital, CAR, NPL, LDR, and BOPO have varying effects on ROA. Meanwhile, simultaneously, these five variables have a significant influence on the company’s profitability. The regression model is also able to explain a substantial portion of the variation in ROA. These findings highlight the importance of maintaining adequate core capital, managing credit risk, improving operational efficiency, and optimizing liquidity to enhance the financial performance of BPR.

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