Pengaruh CAR, NPL, LDR Dan BOPO Terhadap Return on Aset (ROA) Pada Bank Umum BUMN Yang Terdaftar di Bursa Efek Indonesia (BEI) Tahun 2019 - 2023

Abstrak

Objective : This research seeks to analyze how CAR, NPL, LDR, and BOPO impact the Return on Assets (ROA) of state-owned banks listed on the Indonesia Stock Exchange throughout the 2019–2023 timeframe.

Methods : This study utilizes secondary data derived from the annual financial reports of four purposively selected state-owned banks. The analysis employs multiple linear regression, accompanied by classical assumption testing. The results indicate that the data meet the assumptions of normality and exhibit no signs of heteroscedasticity, autocorrelation, or multicollinearity.

Research results : The F-test results show that the regression model is suitable for achieving the research goals. The t-test shows that CAR positively affects ROA. On the other hand, both NPL and BOPO negatively impact ROA. Meanwhile, LDR has a positive effect on ROA, but it is not statistically significant.