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PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, NON PERFORMING LOAN, NET INTEREST MARGIN DAN LOAN TO DEPOSIT RATIO TERHADAP RETRUN ON ASSET

Jurnal Manajemen, Bisnis dan Organisasi (JUMBO) · Vol. 3 No. 2 (2019) · pp. 222–231

DOI
10.33772/jumbo.v3i2.8558
ISSN
2502-4175
Published
2019-08-15
Publisher
Pascasarjana Universitas Halu Oleo
Language
eng

Abstract

This research intends to partially examine the effect of Capital Adequacy Ratio (CAR), Operational Costs Operational Income (BOPO), Non Performing Loans (NPL), Net Interest Margin (NIM) and Loan to Deposit Ratio (LDR) to Return on Assets (ROA) at Persero Bank. The subject of this research was persero banks consisting of Bank Mandiri, Bank Rakyat Indonesia, Bank Negara Indonesia and Bank Tabungan Negara with observation period of 15 years, thus the research data observed was 60 observations. The data were analyzed with multiple analysis using SPSS 20. The result of the research: 1) capital adequacy ratio has negative and insignificant effects on persero banks' Return on Assets, 2) operational costs operational income has negative and significant effects on persero banks' Return on Assets, 3) non-performing loans has negative and significant effects on persero banks' Return on Asset, 4) net interest margin has positive and significant effects on persero banks' Return on Assets, 5) loan to deposit ratio has positive but insignificant effects on persero banks' Return on Assets.Keywords: CAR, Operating Income Operating Costs, NPL, NIM, LDR, ROA

Collaboration network of the authors

40 authors · 125 co-authorship links · 3 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universiti Teknologi MARA
  • Malaysian Nuclear Agency
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Wahyuniati HamidAffiliation unknown4
Buyung SaritaAffiliation unknown3
Sujono SujonoAffiliation unknown3
Zaluddin ZaluddinAffiliation unknown2
Agustinus TangalayukAffiliation unknown2
Samdin SamdinAffiliation unknown2
Murizah Binti KassimUniversiti Teknologi MARA1
Mohd Sabri MinhatMalaysian Nuclear Agency1
Intan Nabina AzmiUniversiti Teknologi MARA1
Nerlin NerlinAffiliation unknown1
Hamuni HamuniAffiliation unknown1
Moh. AminAffiliation unknown1
Nuryamin BudiAffiliation unknown1
Dewi Purnama SariAffiliation unknown1
MUHAMMAD TAUFIKAffiliation unknown1
Isalman IsalmanAffiliation unknown1
Dewi Asyifa MutmainaAffiliation unknown1
La HataniAffiliation unknown1
Tuty Hardiyanti NingsihAffiliation unknown1
Riski Amalia MadiAffiliation unknown1
Norma WatiAffiliation unknown1
Titin Tri EgoAffiliation unknown1
Dedy T akdir SAffiliation unknown1
Zaludin ZaludinAffiliation unknown1
Valentinus AmstrongAffiliation unknown1
Adnan FikriAffiliation unknown1
Enny Wati Enny WatiAffiliation unknown1
Fifi Nurfitria UmarAffiliation unknown1
Valentinus Amstrong TNAffiliation unknown1
Abdul Razak YusufAffiliation unknown1
Rani TrianaAffiliation unknown1
Nofal NurAffiliation unknown1
Yusuf MontunduAffiliation unknown1
S Syarifa FauzinAffiliation unknown1
La Ode AsfahyadinAffiliation unknown1
Enny WatiAffiliation unknown1
Tjitjih YustinaresaAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs.uho.ac.id/index.php/JUMBO/oai, first harvested 31 Okt 2026, last seen 1 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL , NON PERFORMING LOAN, NET INTEREST MARGIN DAN LOAN TO DEPOSIT RATIO TERHADAP RETRUN ON ASSET</dc:title>
	<dc:creator>Nilawati, Nilawati</dc:creator>
	<dc:creator>Hajar, Ibnu</dc:creator>
	<dc:creator>Hamid, Wahuniati</dc:creator>
	<dc:description xml:lang="en-US">This research intends to partially examine the effect of Capital Adequacy Ratio (CAR), Operational Costs Operational Income (BOPO), Non Performing Loans (NPL), Net Interest Margin (NIM) and Loan to Deposit Ratio (LDR) to Return on Assets (ROA) at Persero Bank. The subject of this research was persero banks consisting of Bank Mandiri, Bank Rakyat Indonesia, Bank Negara Indonesia and Bank Tabungan Negara with observation period of 15 years, thus the research data observed was 60 observations.  The data were analyzed with multiple analysis using SPSS 20. The result of the research: 1) capital adequacy ratio has negative and insignificant effects on persero banks' Return on Assets, 2) operational costs operational income has negative and significant effects on persero banks' Return on Assets, 3) non-performing loans has negative and significant effects on persero banks' Return on Asset, 4)  net interest margin has positive and significant effects on persero banks' Return on Assets, 5) loan to deposit ratio has positive but insignificant effects on persero banks' Return on Assets.Keywords: CAR, Operating Income Operating Costs, NPL, NIM, LDR, ROA</dc:description>
	<dc:publisher xml:lang="en-US">Pascasarjana Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2019-08-15</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs.uho.ac.id/index.php/JUMBO/article/view/8558</dc:identifier>
	<dc:identifier>10.33772/jumbo.v3i2.8558</dc:identifier>
	<dc:source xml:lang="en-US">Jurnal Manajemen, Bisnis dan Organisasi (JUMBO); Vol 3, No 2 (2019): Jurnal Jumbo Vol 3 No 2; 222-231</dc:source>
	<dc:source>2502-4175</dc:source>
	<dc:source>10.33772/jumbo.v3i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/JUMBO/article/view/8558/pdf</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2019 Jurnal Manajemen, Bisnis dan Organisasi (JUMBO)</dc:rights>
</oai_dc:dc>