ANALISIS PENGARUH BOPO, NIM DAN LDR TERHADAP PROFITABILITAS BANK YANG TERDAFTAR PADA BEI INDONESIA

Abstract

This study aims to determine the effect of Operational Income Operating Expenses (BOPO), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on Return on Assets (ROA). This study uses a quantitative research method with a multiple linear regression model approach. The data used is panel data from 7 banks and 5 years, namely 2018-2022. In this study the dependent variable is ROA, while the independent variables are BOPO, NIM, and LDR. The multiple regression model equation obtained Y = 4.729 - 0.051 X1 + 0.073 X2 - 0.002 X3. The termination coefficient is 0.651, meaning that 65.1% of the variation in the dependent variable is obtained while the remaining 24.9% is caused by other factors. The results of testing the hypothesis can be concluded that the independent variables namely Operational Expenses Operating Income (BOPO), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) simultaneously
have a significant effect on Return on Assets (ROA). Partially the BOPO variable has a negative and significant effect on Return on Assets (ROA), variable Net Interest Margin (NIM) has a positive and significant effect on Return on Assets (ROA), and LDR has a negative and significant effect on Return on Assets (ROA).