Analisis Pengaruh CAR, NPL, NIM, BOPO, dan LDR terhadap ROA Bank Negara Indonesia Menggunakan Metode Multiple Linear Regression

Pasya, Firzan Aulia (2024) Analisis Pengaruh CAR, NPL, NIM, BOPO, dan LDR terhadap ROA Bank Negara Indonesia Menggunakan Metode Multiple Linear Regression. Project Report. [s.n.], [s.l.]. (Unpublished)

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh rasio keuangan terhadap profitabilitas PT Bank Negara Indonesia (Persero) Tbk., yang diukur dengan Return on Asset (ROA). Variabel independen yang digunakan meliputi Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Beban Operasional terhadap Pendapatan Operasional (BOPO), dan Loan to Deposit Ratio (LDR). Data yang digunakan berasal dari laporan keuangan kuartalan periode Januari 2014 hingga Desember 2023 yang dipublikasikan oleh Otoritas Jasa Keuangan. Metode analisis yang digunakan adalah regresi linier berganda dengan bantuan perangkat lunak Minitab. Hasil analisis menunjukkan bahwa empat variabel, yaitu CAR, NPL, NIM, dan BOPO, berpengaruh signifikan terhadap ROA, sedangkan LDR tidak signifikan. Model regresi yang diperoleh memiliki nilai koefisien determinasi (R²) sebesar 97,56%, menunjukkan bahwa model sangat baik dalam menjelaskan variasi ROA. Temuan ini diharapkan dapat menjadi acuan dalam pengambilan keputusan strategis perusahaan guna meningkatkan kinerja keuangan secara berkelanjutan.
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This study aims to analyze the influence of financial ratios on the profitability of PT Bank Negara Indonesia (Persero) Tbk., as measured by Return on Assets (ROA). The independent variables include Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The data were obtained from quarterly financial reports published by the Financial Services Authority (OJK) from January 2014 to December 2023. Multiple linear regression analysis was conducted using Minitab software. The results show that four variables—CAR, NPL, NIM, and BOPO—have a significant effect on ROA, while LDR does not. The resulting regression model has a coefficient of determination (R²) of 97.56%, indicating that the model provides an excellent explanation of the variation in ROA. These findings are expected to serve as a reference for strategic decision-making to enhance the company's long-term financial performance.

Item Type:	Monograph (Project Report)
Uncontrolled Keywords:	Return on Asset (ROA), Rasio Keuangan, Regresi Linier Berganda, Profitabilitas Bank, Return on Assets (ROA), Financial Ratios, Multiple Linear Regression, Bank Profitability
Subjects:	Q Science > QA Mathematics > QA278.2 Regression Analysis. Logistic regression
Divisions:	Faculty of Science and Data Analytics (SCIENTICS) > Actuaria > 94203-(S1) Undergraduate Thesis
Depositing User:	Firzan Aulia Pasya
Date Deposited:	22 Jul 2025 06:24
Last Modified:	22 Jul 2025 06:24
URI:	http://repository.its.ac.id/id/eprint/120516

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