PENGARUH LOAN TO DEPOSIT RATIO, NET INTEREST MARGIN DAN BIAYA OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL DAMPAKNYA TERHADAP  PROFITABILITAS PADA PT BANK TABUNGAN NEGARA, TBK PERIODE 2008-2023

Fiona Hayatun Nisa; Iman Lubis

doi:10.58174/y73zw073

Authors

Fiona Hayatun Nisa Universitas Pamulang
Iman Lubis Universitas Pamulang

DOI:

https://doi.org/10.58174/y73zw073

Keywords:

Loan to Deposit Ratio; Net Interest Margin; Biaya Operasional Terhadap Pendapatan Operasional; Rtun on Asset., Loan to Deposit Ratio; Net Interest Margin; Operating Expenses to Operating Income; Return on Assets.

Abstract

The purpose of this study was to determine the effect of Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA) at the bank being the object of the study. The method used in this study is a quantitative method. The data used are secondary data obtained from the bank's financial statements for a certain period, with a sample of 16 observation data. Data analysis was carried out using multiple linear regression and classical assumption testing. The results of the normality test indicate that all variables in this study are normally distributed. Based on the results of the partial t-test, the NIM variable has a positive and significant effect on ROA with a significance value of 0.000 (<0.05), while BOPO has a negative and significant effect on ROA with a significance value of 0.001. Meanwhile, LDR does not have a significant effect on ROA with a significance value of 0.397 (>0.05). The F-test results indicate that all three independent variables simultaneously significantly influence ROA. The Adjusted R Square value of 0.751 indicates that the LDR, NIM, and BOPO variables explain 75.1% of ROA, while the remaining 24.9% is influenced by factors outside the research model.

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