Analisis Pengaruh NPL, LDR, NIM dan BOPO Terhadap Profitabilitas Pada PT Bank Pembangunan Daerah Banten, Tbk Periode 2014-2023
DOI:
https://doi.org/10.35870/jemsi.v10i6.3355Keywords:
NPL, LDR, NIM, BOPO, ROAAbstract
Penelitian ini bertujuan untuk menganalisis pengaruh Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) dan Beban Operasional Pendapatan Operasional (BOPO) terhadap Profitabilitas PT Bank Pembangunan Daerah Banten, Tbk selama periode tahun 2014-2023. Profitabilitas diukur dengan rasio Return On Assets (ROA). Metode yang digunakan dalam penelitian ini adalah metode penelitian deskriptif dan verifikatif dengan pendekatan kuantitatif. Metode pengumpulan data melalui studi pustaka dan dokumentasi. Dengan menggunakan teknik purposive sampling, sampel dalam penelitian ini adalah Laporan Keuangan PT Bank Pembangunan Daerah Banten, Tbk periode Tahun 2014-2023. Teknik analisis data yang digunakan adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa Non Performing Loan (NPL) berpengaruh positif dan signifikan terhadap Return On Assets (ROA), Loan to Deposit Ratio (LDR) dan Net Interest Margin (NIM) tidak berpengaruh terhadap Return On Assets (ROA), sedangkan Beban Operasional Pendapatan Operasional (BOPO) berpengaruh negative dan signifikan terhadap Return On Assets (ROA). Secara simultan, Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) dan Beban Operasional Pendapatan Operasional (BOPO) berpengaruh signifikan terhadap ROA pada PT Bank Pembangunan Daerah Banten, Tbk periode tahun 2014-2023.
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