PENGARUH NON PERFORMING LOAN, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015 - 2019

  • DUMARIANI SILALAHI AMIK MEDAN BUSINESS POLYTECHNIC
  • BERTHA NERPY SIAHAAN AMIK MEDAN BUSINESS POLYTECHNIC
Keywords: Non Performing Loans, Operational Income Operational Costs, Loan To Deposit Ratio, Return On Assets

Abstract

The research methodology used is multiple linear regression analysis. The results of the study prove that the Non Performing
Loan and the Loan to Deposit Ratio have no and insignificant effect on the Return on Assets of Banking Companies Listed
on the Indonesia Stock Exchange for the 2015-2019 Period. Operating Costs Operating Income has a significant and
significant effect on Return on Assets in Banking Companies Listed on the Indonesia Stock Exchange for the 2015-2019
Period. Non Performing Loans, Operating Costs, Operating Income and Loan to Deposit Ratio have an effect and are
significant on Return on Assets in Banking Companies Listed on the Indonesia Stock Exchange for the 2015-2019 Period.
The adjusted coefficient of determination (R Square) obtained a value of 0.484, meaning that the independent variables,
namely Non Performing Loans, Operating Costs and Operating Income, and Loan to Deposit Ratio have an effect on the
Return on Assets variable by 48.4% and 51.6% are influenced by other variables not used in this study such as net profit
margin, company size, third party funds and capital.

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Published
2021-09-01