PENGARUH LOAN TO DEPOSIT RATIO (LDR), CAPITAL ADEQUACY RATIO (CAR), DAN NON PERFORMING LOAN (NPL) TERHADAP RETURN ON ASSETS (ROA) (Studi Kasus Pada Bank BUMN Yang Terdaftar di BEI Periode 2015-2022) --Ed.1

PENGARUH LOAN TO DEPOSIT RATIO (LDR), CAPITAL
ADEQUACY RATIO (CAR), DAN NON PERFORMING LOAN
(NPL) TERHADAP RETURN ON ASSETS (ROA)
(Studi Kasus Pada Bank BUMN Yang Terdaftar di BEI Periode 2015-2022)
Nama : Ajira Salwa
NIM : 19 661 043
Dosen Pembimbing : 1. Marwanto, S.E., M.Si., Ak.
2. Lewi Patabang, S.E., M.M.

ABSTRAK
Penelitian ini bertujuan untuk mengetahui Loan To Deposit Ratio (LDR), Capital
Adequacy Ratio (CAR), dan Non Performing Loan (NPL) terhadap Return On Assets
(ROA) pada Bank BUMN yang terdaftar pada BEI (Mandiri, BRI, BNI, BTN) periode
2015 - 2022. Model regresi yang digunakan ialah analisis regresi berganda. Penelitian ini
mengunakan laporan keuangan.
Hasil penelitian mengungkapkan bahwa LDR secara parsial tidak berpengaruh
terhadap ROA, CAR secara parsial berpengaruh terhadap ROA, NPL secara parsial
berpengaruh terhadap ROA, dan Loan To Deposit Ratio (LDR), Capital Adequacy Ratio
(CAR), dan Non Performing Loan (NPL) berpengaruh secara simultan terhadap Return
On Assets (ROA).
Kata kunci : Loan To Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non
Performing Loan (NPL), Return On Assets (ROA)
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EFFECT OF LOAN TO DEPOSIT RATIO (LDR), CAPITAL ADEQUACY
RATIO (CAR), AND NON PERFORMING LOAN (NPL) ON RETURN ON
ASSETS (ROA)
(Case Study of BUMN Banks Registered on the IDX for the 2015-2022 period)
Nama : Ajira Salwa
NIM : 19 661 043
Dosen Pembimbing : 1. Marwanto, S.E., M.Si., Ak.
2. Lewi Patabang, S.E., M.M.

ABSTRACT
This study aims to determine the Loan To Deposit Ratio (LDR), Capital Adequacy
Ratio (CAR), and Non Performing Loan (NPL) to Return On Assets (ROA) at stateowned banks listed on the IDX (Mandiri, BRI, BNI, BTN) period 2015 - 2022. The
regression model used is multiple regression analysis. This study uses financial reports.
The results of the study revealed that LDR partially had no effect on ROA, CAR
partially had an effect on ROA, NPL partially had an effect on ROA, and Loan To Deposit
Ratio (LDR), Capital Adequacy Ratio (CAR), and Non Performing Loan (NPL) had an
effect simultaneously on Return On Assets (ROA).
Keywords : Loan To Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non
Performing Loan (NPL), Return On Assets (ROA).