PENGARUH RASIO KEUANGAN TERHADAP PROFITABILITAS PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA

Erick Kurniawa

Abstract


Abstrak: tujuan penelitian ini memfokuskan pada variabel-variabel yang digunakan untuk mengetahui Rasio Loan to Deposite Ratio, Net Interst Margin, Biaya Operasional dan Pendapatan Operasioanl, terhadap Return on Assets. Metode penelitian yang digunakan adalah kuantitatif, dengan menggunakan rasio keuangan. Hasil. Return On Asset (ROA) turun 2,85% dan 2,32%, kondisi rasio NIM pada tahun 2013-2014 adanya penurunan dari 4.89% ke 4.23% , dan LDR mengalami kenaikan pada tahun 2015-2016 dari 89.42% ke 90.70% sama halnya dengan rasio BOPO sebesar 76,29% dan 81,49%, pada tahun 2014 ke 2015 ketika Return On Asset (ROA) turun 2,85% dan 2,32%. Simpulan berdasarkan hasil penelitian dapat sebagai berikut: (a) LDR berpengaruh negatif dan signifikan terhadap ROA pada Bank Umum yang Terdaftar di Bursa Efek Indonesia periode 2009-2018. (b) NIM berpengaruh positif dan signifikan terhadap ROA pada Bank Umum yang Terdaftar di Bursa Efek Indonesia periode 2009-2018. (c) BOPO berpengaruh Negatif dan signifikan terhadap ROA pada Bank Umum yang Terdaftar di Bursa Efek Indonesia periode 2009-2018. (2) Dari hasil penelitian menunjukkan variabel LDR, NIM, dan BOPO secara bersama-sama berpengaruh signifikan terhadap ROA.

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DOI: https://doi.org/10.96964/jamdi.v3i3.760

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