FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK NAGARI SUMATERA BARAT PADA TAHUN 2010-2020

Irma Fitri Yenti, NIM.: 17108040006 (2021) FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK NAGARI SUMATERA BARAT PADA TAHUN 2010-2020. Skripsi thesis, SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Bank is a financial institution that has an important role in managing the economy of a country. Good bank profitability (ROA) performance is very much needed for the smooth functioning of the bank. This study aims to determine and analyze the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operational Costs (BOPO), Non Performing Loans (NPL), Net Interest Margin Ratio (NIM) on the profitability of Bank Nagari. The subject of this research is Bank Nagari West Sumatra, the data used in this study is data from the financial statements of Bank Nagari in 2010-2020. This research method is a mix method. Based on the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test, there were no variables that deviated from the classical assumptions. This shows that the available data has met the requirements using the multiple linear regression equation model. From the results of quantitative and qualitative research, it can be concluded that the NPL ratio has no significant positive effect on ROA of Bank Nagari, and the ratio of CAR, LDR, BOPO, NIM has a significant positive effect on ROA of Bank Nagari.Bank is a financial institution that has an important role in managing the economy of a country. Good bank profitability (ROA) performance is very much needed for the smooth functioning of the bank. This study aims to determine and analyze the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operational Costs (BOPO), Non Performing Loans (NPL), Net Interest Margin Ratio (NIM) on the profitability of Bank Nagari. The subject of this research is Bank Nagari West Sumatra, the data used in this study is data from the financial statements of Bank Nagari in 2010-2020. This research method is a mix method. Based on the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test, there were no variables that deviated from the classical assumptions. This shows that the available data has met the requirements using the multiple linear regression equation model. From the results of quantitative and qualitative research, it can be concluded that the NPL ratio has no significant positive effect on ROA of Bank Nagari, and the ratio of CAR, LDR, BOPO, NIM has a significant positive effect on ROA of Bank Nagari.

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