IMPLIKASI LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSETS (ROA) BANK UMUM KEGIATAN USAHA (BUKU) 4 DI INDONESIA (2017.1-2021.12

A’yun, Clean Qurrota (2023) IMPLIKASI LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL), DAN CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ON ASSETS (ROA) BANK UMUM KEGIATAN USAHA (BUKU) 4 DI INDONESIA (2017.1-2021.12. Other thesis, UPN "Veteran" Yogyakarta.

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Abstract

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INTISARI
1
Penelitian ini dilakukan untuk menguji pengaruh variabel LDR, NPL dan CAR
terhadap ROA Bank Umum Kegiatan Usaha (BUKU) 4 di Indonesia. Penelitian
ini menggunakan analisis regresi Error Correction Model (ECM). Data yang
digunakan adalah data sekunder berupa deret waktu (time series) dengan jumlah
60 observasi. Data yang terdapat dalam penelitian ini berasal dari Statistik
Perbankan Indonesia yag dikeluarkan oleh Otoritas Jasa Keuangan periode
2017.1-2021.12. Hasil penelitian menunjukkan bahwa variabel LDR berpengaruh
positif signifikan baik dalam jangka pendek maupun jangka panjang. Variabel
NPL berpengaruh negatif signifikan dalam jangka pendek namun tidak signifikan
dalam jangka panjang. Variabel CAR berpengaruh positif namun tidak signifikan
baik dalam jangka pendek maupun jangka panjang. Secara parsial, variabel LDR,
NPL dan CAR berpengaruh terhadap ROA Bank Umum Kelompok Usaha
(BUKU) 4 di Indonesia.
Kata Kunci: LDR, NPL, CAR, ROA, ECM (Error Correction Model)
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ABSTRACT
This research was conducted to examine the effect of the variables LDR, NPL and
CAR on the ROA of Business Commercial Banks (BUKU) 4 in Indonesia. This
research uses Error Correction Model (ECM) regression analysis. The data used
is secondary data in the form of time series with a total of 60 observations. The
data contained in this study comes from Indonesian Banking Statistics released by
the Financial Services Authority for the period 2017.1-2021.12. The results
showed that the LDR variable had a significant positive effect both in the short
and long term. The NPL variable has a significant negative effect in the short term
but not significant in the long term. The CAR variable has a positive effect but not
significant in both the short and long term. Partially, the variables LDR, NPL and
CAR affect the ROA of Business Group Commercial Banks (BUKU) 4 in
Indonesia.
Keywords: LDR, NPL, CAR, ROA, ECM (Error Correction Model)

Item Type:	Thesis (Other)
Uncontrolled Keywords:	LDR, NPL, CAR, ROA, ECM (Error Correction Model)
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	Faculty of Law, Arts and Social Sciences > School of Management
Depositing User:	Eko Yuli
Date Deposited:	13 Apr 2023 04:31
Last Modified:	13 Apr 2023 04:31
URI:	http://eprints.upnyk.ac.id/id/eprint/34549

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