Analisis Pengaruh Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Bank Umum Milik Negara

Authors

  • Srie Isnawati Pakaya Universitas Negeri Gorontalo
  • Idham Masri Ishak Universitas Negeri Gorontalo
  • Regita Nur Rizka Paramani Universitas Negeri Gorontalo

DOI:

https://doi.org/10.56709/mrj.v3i2.220

Abstract

This research aimed to ascertain to what extent the Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) affected Return on Assets (ROA) in state- owned commercial banks listed on the Indonesia Stock Exchange from 2013 to 2022. The data collection techniques included documentation and a literature review. It employed a purposive sampling in which the research population comprised state- owned commercial banks listed on the Indonesia Stock Exchange from 2013 to 2022, with a sample size of four companies. Furthermore, the data analysis was done through classical assumption tests, hypothesis testing, and multiple regression analysis. The findings indicated that: 1) Partially, Non-Performing Loan did not have a significant effect on Return on Assets. 2) Partially, Loan to Deposit Ratio had a significant effect on Return on Assets. 3) Simultaneously, the variables Non- Performing Loan and Loan to Deposit Ratio had a significant effect on Return on Assets.

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Published

2024-06-05

How to Cite

Pakaya, S. I., Ishak, I. M., & Paramani, R. N. R. (2024). Analisis Pengaruh Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Return On Asset (ROA) pada Bank Umum Milik Negara. Economic Reviews Journal, 3(2), 903–917. https://doi.org/10.56709/mrj.v3i2.220