Operating Cost Against Operating Income, Net Interest Margin, Capital Adequacy Ratio and Loan To Deposit Ratio on Profitability
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Nov 25, 2022
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Abstract
Financial performance has become one of the considerations about the condition of banks. The research aims to find out the results of financial ratios effect profitability at state banks in the Indonesia Stock Exchange. The research period is taken for ten years starting from 2012 to 2021. Data collection in this research uses secondary data in the form of data collecting from the annual bank financial statement published on the Indonesia Stock Exchange and by each state-owned bank. The analytical method using multiple linear regression. The results of this research show that Operating Cost against Operating Income (BOPO), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) partially each dependent variable have significant positive effect on profitability (ROA). Simultaneously, BOPO, NIM, CAR and LDR can also have significant positive effect on ROA.
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How to Cite
Hutabarat, M. I., Edy Firmansyah, & Achiruddin Siregar. (2022). Operating Cost Against Operating Income, Net Interest Margin, Capital Adequacy Ratio and Loan To Deposit Ratio on Profitability. Enrichment : Journal of Management, 12(5), 3549-3555. https://doi.org/10.35335/enrichment.v12i5.830
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Korri, N. T. L., & Baskara, I. G. K. (2019). Pengaruh Capital Adequacy Ratio, Non Performing Loan, Bopo, Dan Loan To Deposit Ratio Terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana, 8(11), 6577. https://doi.org/10.24843/ejmunud.2019.v08.i11.p10
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Pandoyo. (2019). Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank BPR Di Provinsi Jawa Barat. Jurnal Riset Manajemen Dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 4(1), 127–136. https://doi.org/10.36226/jrmb.v4i1.247
Pratiwi, L. P. S. W. P., & Wiagustini, N. L. P. (2015). PENGARUH CAR, BOPO, NPL DAN LDR TERHADAP PROFITABILITAS. 5(4), 2137–2166.
Putri, N. K. A. P., Wiagustini, L. P., & Abundanti, N. N. (2018). Pengaruh Npl, Car Dan Bopo Terhadap Profitabilitas Pada Bpr Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 7(11), 6212. https://doi.org/10.24843/ejmunud.2018.v07.i11.p15
Rifansa, M. B., & Pulungan, N. A. F. (2022). The Effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operational Costs and Operational Revenue (BOPO) On Return on Assets (ROA) in Bank IV Indonesia. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 5(2), 15723–15737.
Rusiyati, S. (2018). Pengaruh Rasio Keuangan Terhadap Profitabilitas Pada Bank Persero Di Bursa Efek Indonesia. Moneter: Jurnal Akuntansi Dan Keuangan, 5(2), 171–176.
Saputra, A., Arfan, M., & Saputra, M. (2018). Pengaruh Capital Adequacy Ratio, Net Interest Margin, Loan To Deposit Ratio Dan Non Performing Loan Terhadap Profitabilitas Bank Umum Non Devisa Di Indonesia Periode 2014-2016. Jurnal Perspektif Ekonomi Darussalam, 4(2), 199–212. https://doi.org/10.24815/jped.v4i2.12573
Vernanda, S. D., & Widyarti, E. T. (2016). Analisis Pengaruh CAR, LDR, NPL, BOPO, dan SIZE Terhadap ROA (Studi pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2015). Diponegoro Journal of Management, 5(3), 1–13. Retrieved from https://ejournal3.undip.ac.id/index.php/djom/article/view/14879
Yatiningsih, N. F., & Chabachib, M. (2015). ANALISIS PENGARUH BOPO, LDR, NPL, SIZE, CAR, DAN NIM TERHADAP ROA (Studi pada Bank Umum Konvensional yang Listing di Bursa Efek Indonesia Periode 2009-2013). DIPONEGORO JOURNAL OF MANAGEMENT, 4(3), 1–10.
Yusriani. (2018). Pengaruh CAR, NPL, BOPO dan LDR Terhadap Profitabilitas Pada Bank Umum Milik Negara Persero di Bursa Efek Indonesia. Jurnal Riset Edisi XXV, 4(002), 1–17.
Bernardin, D. E. Y. (2016). Pengaruh Car Dan Ldr Terhadap Return on Assets. IV(2), 232–241. Retrieved from http://ejournal.bsi.ac.id/ejurnal/index.php/ecodemica
Ghozali, I. (2011). Aplikasi Analisis Multivariate dengan Program SPSS. Universitas Diponegoro
Harun, U. (2016). Pengaruh Ratio-Ratio Keuangan CAR, LDR, NIM, BOPO, NPL Terhadap ROA. Jurnal Riset Bisnis Dan Manajemen, 4(1), 67–82.
Hutabarat, M. I. (2021). RASIO KEUANGAN MEMPENGARUHI PROFITABILITAS PADA BANK PERSERO DI BURSA EFEK INDONESIA. Journal Of Management, Accounting, Economic and Business, 02(02), 25–38.
Korri, N. T. L., & Baskara, I. G. K. (2019). Pengaruh Capital Adequacy Ratio, Non Performing Loan, Bopo, Dan Loan To Deposit Ratio Terhadap Profitabilitas. E-Jurnal Manajemen Universitas Udayana, 8(11), 6577. https://doi.org/10.24843/ejmunud.2019.v08.i11.p10
Liniarti, S. (2021). The Effect Of Financial Ratio On The Bank Profitability In Banks To Listed In The Indonesia Stock Exchange Sri. Enrichment: Journal of Management, 12(1), 365. https://doi.org/10.24269/ekuilibrium.v14i2.1568
Liniarti, S., & Nasution, R. S. A. (2022). ANALYSIS OF FACTORS AFFECTING THE PROFITABILITY OF LOGISTICS COMPANIES DURING THE COVID-19 PANDEMIC. Enrichment: Journal of Management, 12(2), 1291–1298.
Pandoyo. (2019). Faktor-Faktor Yang Mempengaruhi Profitabilitas Bank BPR Di Provinsi Jawa Barat. Jurnal Riset Manajemen Dan Bisnis (JRMB) Fakultas Ekonomi UNIAT, 4(1), 127–136. https://doi.org/10.36226/jrmb.v4i1.247
Pratiwi, L. P. S. W. P., & Wiagustini, N. L. P. (2015). PENGARUH CAR, BOPO, NPL DAN LDR TERHADAP PROFITABILITAS. 5(4), 2137–2166.
Putri, N. K. A. P., Wiagustini, L. P., & Abundanti, N. N. (2018). Pengaruh Npl, Car Dan Bopo Terhadap Profitabilitas Pada Bpr Di Kota Denpasar. E-Jurnal Manajemen Universitas Udayana, 7(11), 6212. https://doi.org/10.24843/ejmunud.2018.v07.i11.p15
Rifansa, M. B., & Pulungan, N. A. F. (2022). The Effect of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Operational Costs and Operational Revenue (BOPO) On Return on Assets (ROA) in Bank IV Indonesia. Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences, 5(2), 15723–15737.
Rusiyati, S. (2018). Pengaruh Rasio Keuangan Terhadap Profitabilitas Pada Bank Persero Di Bursa Efek Indonesia. Moneter: Jurnal Akuntansi Dan Keuangan, 5(2), 171–176.
Saputra, A., Arfan, M., & Saputra, M. (2018). Pengaruh Capital Adequacy Ratio, Net Interest Margin, Loan To Deposit Ratio Dan Non Performing Loan Terhadap Profitabilitas Bank Umum Non Devisa Di Indonesia Periode 2014-2016. Jurnal Perspektif Ekonomi Darussalam, 4(2), 199–212. https://doi.org/10.24815/jped.v4i2.12573
Vernanda, S. D., & Widyarti, E. T. (2016). Analisis Pengaruh CAR, LDR, NPL, BOPO, dan SIZE Terhadap ROA (Studi pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2015). Diponegoro Journal of Management, 5(3), 1–13. Retrieved from https://ejournal3.undip.ac.id/index.php/djom/article/view/14879
Yatiningsih, N. F., & Chabachib, M. (2015). ANALISIS PENGARUH BOPO, LDR, NPL, SIZE, CAR, DAN NIM TERHADAP ROA (Studi pada Bank Umum Konvensional yang Listing di Bursa Efek Indonesia Periode 2009-2013). DIPONEGORO JOURNAL OF MANAGEMENT, 4(3), 1–10.
Yusriani. (2018). Pengaruh CAR, NPL, BOPO dan LDR Terhadap Profitabilitas Pada Bank Umum Milik Negara Persero di Bursa Efek Indonesia. Jurnal Riset Edisi XXV, 4(002), 1–17.