Analysis Influence Ratio Finance to Profitability Return On Assets (ROA) at Commercial Banks in Indonesia

Berliana Agustin Febrianti and Eni Setyowati ()
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Berliana Agustin Febrianti: University of Muhammadiyah Surakarta, Faculty of Economics and Business
Eni Setyowati: University of Muhammadiyah Surakarta, Faculty of Economics and Business

A chapter in Proceedings of the International Conference on Economics and Business Studies (ICOEBS-22-2), 2024, pp 36-47 from Springer

Abstract: Abstract Study this aim for analyze influence ratio finance which includes net interest margin (NIM), cost operational to income operations (BOPO) and loan to deposit ratio (LDR) to profitability return on assets (ROA). Method analysis used is the panel data with cross section 4 (four) commercial banks in Indonesia include Mandiri Bank, BNI, BRI, and BTN. While the time series data for 6 (six) years started from 2016 to with 2021. In collect data, research this using secondary data with method analysis used that is analysis multiple linear regression, test assumptions classic includes normality test, multicollinearity test, test hypothesis and analysis coefficient determination using the Eviews 10 program. Based on results analysis and interpretation of data that has been done, can concluded that net interest margin (NIM) and loan to deposit ratio (LDR) have influence positive to profitability return on assets (ROA). Whereas cost operational to income operational have influence negative to profitability return on assets (ROA).

Keywords: NIM; BOPO; LDR; Profitability (search for similar items in EconPapers)
Date: 2024
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DOI: 10.2991/978-94-6463-204-0_5

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