Pengaruh Likuiditas, Kualitas Aset, Sensitivitas, dan Efisiensi Terhadap Profitabilitas Pada Bank Umum Swasta Nasional Devisa yang Terdaftar di 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), Non Performing Loans (NPL), Troubled Earning Assets (APB), Interest Rate Ratio (IRR), Net Open Position (PDN), Operational Costs to Operating Income (BOPO), and Fee Based Income Ratio (FBIR), which have a significant effect on ROA in Bank Umum Swasta Nasional Devisa which listed on BEI. PT Bank Resona Perdania; PT Raya Indonesia, Tbk; and PT Bank QNB Indonesia, Tbk; are the sample of this study with purposive sampling. This study used secondary data from financial statements from first quarter of 2017 to fourth quarter of 2021. The data analysis used descriptive and multiple linier regression analysis. The result of this study revealed that LDR, LAR, IPR, NPL, APB, IRR, PDN, BOPO, and FBIR have significant effect on ROA simultaneosly. LAR, IPR and NPL have a negative insignificant effect on ROA, partially. LDR, APB, IRR, PDN, and FBIR have a positive insignificant effect on ROA, partially. BOPO partially have a negative significant on ROA.