Pengaruh Kinerja Keuangan terhadap Profitabilitas Bank Umum Swasta Nasional (BUSN) Konvensional yang Terdaftar di Bursa Efek Indonesia (BEI)
Daftar Isi:
- The purpose of this study is to analyzing Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), Investing Policy Ratio (IPR), Adversely Classified Asset (ACA), Non Performance Loan (NPL), Interest Rate Ratio (IRR), Net Open Position (NOP), Operational Efficiency Ratio (OER), Fee Based Income Ratio (FBIR) and Fixed Asset Capital Ratio (FACR) which have a significant effect on ROA in Conventional Bank Umum Swasta Nasional Devisa (BUSN) which listed on Indonesia Stock Exchange (IDX). PT Bank Bukopin, Tbk; PT Bank Mega, Tbk; PT Bank Mayapada International, Tbk; PT Bank Maybank Indonesia, Tbk are the samples of this study with purposive sampling. This study used secondary data from financial statements from first quarter of 2015 to second quarter of 2020. The data analysis used descriptive and multiple linear regression analysis. The result of this study revealed that LDR, LAR, IPR, ACA, NPL, IRR, NOP, OER, and FBIR have significant effect on ROA simultaneously. ACA, NPL and OER have a negative significant effect on ROA, partially. IRR, FBIR have positive significant effect on ROA, partially. LAR, and NOP have positive insignificant effect on ROA, partially. LDR, IPR and FACR have a negative insignificant effect on ROA, partially. LDR has the largest contribution on ROA, however NPL the dominant effects and significant on ROA with 16,40 percents. Keywords: Bank, BUSN, IDX, ROA