Pengaruh NPL, LDR, BOPO dan Nim Terhadap Roa Pada PT. Bank Mandiri (Persero) Tbk Tahun 2013-2021
Abstract
Penelitian ini bertujuan untuk menguji besarnya pengaruh variabel Non Performing Loan (NPL), Loan to Depoite Ratio (LDR), Beban Operasional pada Pendapatan Operasional (BOPO) dan Net Interest Margin (NIM) terhadap Return On Assets (ROA) PT. Bank Mandiri (Persero) Tbk yang terdaftar di Bursa Efek Indonesia periode tahun 2013-2021. Penelitian ini menggunakan pendekatan kuantitatif dan desain penelitian menggunakan analisis regresi linier berganda dengan bantuan program Eviews 10. Hasil penelitian menunjukkan bahwa variabel NPL, LDR, BOPO dan NIM secara simultan berpengaruh terhadap ROA. Berdasarkan hasil uji t dapat disimpulkan bahwa secara parsial variabel NPL dan LDR tidak berpengaruh signifikan terhadap ROA, sedangkan variabel BOPO dan NIM berpengaruh signifikan terhadap ROA. Hasil perhitungan koefisien determinasi menunjukkan pengaruh yang diberikan oleh variabel independen terhadap variabel dependen sebesar 95,54% sedangkan sisanya 4,46% dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian ini.
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