PENGARUH LOAN TO DEPOSIT RATIO (LDR), NET INTEREST MARGIN (NIM), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS (Studi Pada Bank Umum Konvensional Yang Terdaftar Di BEI Tahun 2021-2023)

Ardania, Veryca Donna (2025) PENGARUH LOAN TO DEPOSIT RATIO (LDR), NET INTEREST MARGIN (NIM), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), DAN NON PERFORMING LOAN (NPL) TERHADAP PROFITABILITAS (Studi Pada Bank Umum Konvensional Yang Terdaftar Di BEI Tahun 2021-2023). Skripsi thesis, STIE BANK BPD JATENG / UNIVERSITAS BPD.

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Abstract

Abstract This study aims to determine the effect of Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Operating Costs Operating Income (BOPO), and Non Performing Loans (NPL) on Profitability in Conventional Commercial Banks listed on the Indonesia Stock Exchange during 2021-2023. The research method used in this study is a quantitative research method using secondary data from annual financial reports. The sample in this study was 34 banks listed on the Indonesia Stock Exchange with a purposive sampling technique. The data analysis methods used in this study are descriptive statistics, classical assumption tests, and multiple linear analysis. The results of this study simultaneously show that LDR has a positive and significant effect on Profitability, NIM has a positive and insignificant effect on Profitability, BOPO has a negative and significant effect on Profitability, and NPL has a positive and insignificant effect on Profitability.

Item Type: Thesis (Skripsi)
Additional Information: Penelitian ini bertujuan untuk mengetahui pengaruh Loan to deposit Ratio (LDR), Net Interest Margin (NIM), Biaya Operasional Pendapatan Operasional (BOPO), dan Non Performing Loan (NPL) terhadap Profitabilitas pada Bank Umum Konvensional yang terdaftar di Bursa Efek Indonesia selama 2021-2023. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif dengan menggunakan jenis data sekunder yang berasal dari laporan keuangan tahunan. Sampel di dalam penelitian ini berjumlah 34 bank yang terdaftar di Bursa Efek Indonesia dengan teknik pengambilan sampel purposive sampling. Metode analisis data yang digunakan di dalam penelitian ini adalah statistik deskriptif, uji asumsi klasik, dan analisis linier berganda. Hasil dari penelitian ini secara silmutan menunjukkan bahwa LDR berpengaruh positif dan signifikan terhadap Profitabilitas, NIM berpengaruh positif dan tidak ssignifikan terhadap Profitabilitas, BOPO berpengaruh negatif dan signifikan terhadap Profitabilitas, dan NPL berpengaruh positif dan tidak signifikan terhadap Profitabilitas.
Uncontrolled Keywords: Loan to Deposit Ratio, Net Interest Margin, Operating Costs Operating Income, Non Performing Loan, Return On Assets
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HC Economic History and Conditions
Divisions: Faculty of Law, Arts and Social Sciences > School of Management
Depositing User: Wisudawan S1
Date Deposited: 22 Sep 2025 01:41
Last Modified: 22 Sep 2025 01:41
URI: http://eprints.stiebankbpdjateng.ac.id/id/eprint/2647

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