Pengaruh Likuiditas, Kualitas Aset, Sensitivitas dan Efisiensi Terhadap Profitabilitas Pada Bank Pembangunan Daerah
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Jinda, Elfrida Triputri
Subject
658.15 - FINANCIAL MANAGEMENT
Datestamp
2023-01-03 02:27:44
Abstract :
The purpose of this study is to analyze Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR), Adversely Classified Asset (ACA), Interest Rate Risk (IRR), Operational Efficiency Ratio (OER), Fee Based Income Ratio (FBIR) and Non Performing Loan (NPL) on Return on Asset (ROA) at Regional Development Bank. This study used purposive sampling. Bank Jambi, Bank Kalimantan Barat, and Bank Nusa Tenggara Barat as sample in this study. This study used secondary data from the financial statements of the first quarter 2017 to fourth quarter 2021. This study used descriptive and multi linear regression analysis. The result of this study revealed that LDR, IPR, ACA, IRR, OER, and NPL have a significant on ROA simultaneously. FBIR and NPL have positive coefficient and insignificant on ROA partially. IPR and IRR partially have negative coefficient and insignificant on ROA. OER and ACA partially have negative coefficient and significant on ROA. LDR partially has positive coefficient and significant on ROA. Keyword: Regional Development Bank, Ratio, ROA
The purpose of this study is to analyze Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR), Adversely Classified Asset (ACA), Interest Rate Risk (IRR), Operational Efficiency Ratio (OER), Fee Based Income Ratio (FBIR) and Non Performing Loan (NPL) on Return on Asset (ROA) at Regional Development Bank. This study used purposive sampling. Bank Jambi, Bank Kalimantan Barat, and Bank Nusa Tenggara Barat as sample in this study. This study used secondary data from the financial statements of the first quarter 2017 to fourth quarter 2021. This study used descriptive and multi linear regression analysis. The result of this study revealed that LDR, IPR, ACA, IRR, OER, and NPL have a significant on ROA simultaneously. FBIR and NPL have positive coefficient and insignificant on ROA partially. IPR and IRR partially have negative coefficient and insignificant on ROA. OER and ACA partially have negative coefficient and significant on ROA. LDR partially has positive coefficient and significant on ROA. Keyword: Regional Development Bank, Ratio, ROA
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