Analisis Pengaruh Biaya Operasional Pendapatan Operasional, Capital Adequacy Ratio, Non Performing Loan, Dan Loan To Deposit Ratio Terhadap Profitabilitas

Rafid, Mahmud and , Andy Dwi Bayu Bawono, S.E., M.Si., Ph.D (2026) Analisis Pengaruh Biaya Operasional Pendapatan Operasional, Capital Adequacy Ratio, Non Performing Loan, Dan Loan To Deposit Ratio Terhadap Profitabilitas. Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This study aims to analyze the effect of BOPO, CAR, NPL, and LDR on banking profitability as proxied by Return on Assets (ROA) in banks listed on the Indonesia Stock Exchange (IDX) during the 2018–2022 period. The research employs a quantitative approach using secondary financial report data, analyzed through multiple linear regression with the assistance of SPSS. The results show that BOPO has a negative and significant effect on ROA, LDR has a positive and significant effect on ROA, while CAR and NPL have no significant effect on bank profitability. These findings indicate that operational efficiency and effective credit distribution are the main factors influencing the profitability of conventional banks in Indonesia.

Item Type: Thesis (Skripsi)
Uncontrolled Keywords: BOPO, CAR, NPL, LDR, ROA, Profitability, Banking
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HF Commerce > Accounting
Divisions: Fakultas Ekonomi dan Bisnis > S1 Akuntansi
Depositing User: MAHMUD RAFID
Date Deposited: 20 Feb 2026 03:08
Last Modified: 20 Feb 2026 03:08
URI: http://eprints.ums.ac.id/id/eprint/142826

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