PENGARUH CAR, BOPO, LDR, NIM DAN NPL TERHADAP PROFITABILITAS BANK YANG TERDAFTAR DI BEI TAHUN 2012-2018

Abstract

This study aims to analyze the influence of Capital Adequacy Ratio (CAR), Operational Efficiency (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Non Performing Loan (NPL) either partially or simultaneously on profitability of banking companies listed on Indonesia Stock Exchange (IDX). The sampling method used in this study was purposive sampling. The sample consisted of 30 companies out of 44 banking companies listed on the IDX that publish complete annual report from 2012-2018. Data analysis technique used was  multiple linear regression analysis. The results of the study found that partially Capital Adequacy Ratio (CAR) does not have an effect on profitability of banking companies, while Operational Efficiency (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) and Non Performing Loan do affect profitability of banking companies in IDX 2012-2018.

Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), dan Non Performing Loan (NPL) baik secara parsial maupun simultan terhadap profitabilitas perusahaan perbankan yang terdaftar di Bursa Efek Indonesia (BEI). Pengambilan sampel dalam penelitian ini dengan menggunakan metode purposive sampling. Sampel yang digunakan adalah 30 perusahaan dari 44 perusahaan yang terdaftar dalam BEI yang mempublikasikan laporan tahunan lengkap dari tahun 2012-2018. Teknik analisis data menggunakan analisis regresi linear berganda. Hasil penelitian menemukan bahwa secara parsial Capital Adequacy Ratio (CAR) tidak berpengaruh signifikan terhadap profitabilitas perusahaan perbankan di Bursa Efek Indonesia tahun 2012-2018, sedangkan nilai Biaya Operasional  Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) dan Non Performing Loan (NPL) berpengaruh terhadap profitabilitas perusahaan perbankan di Bursa Efek Indonesia tahun 2012-2018.