Pengaruh Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Beban Operasional dan Pendapatan Operasional (BOPO) Terhadap Return on Asset (ROA) Pada PT Bank Pembangunan Daerah Kalimantan Periode 2018 - 2022
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Abstract
Abstract: This study aims to determine the influence of CAR, NIM, and BOPO on PT Bank Pembangunan Daerah Kalimantan for the period 2018-2022. The population of this study is all Bank Pembangunan Daerah Kalimantan, which consists of 4 companies. The sampling technique used is purposive sampling, which means the sample is taken based on certain considerations. The consideration is that Bank Pembangunan Daerah Kalimantan has complete financial data for a period of 5 years, namely 2018-2022. The data analysis method in this study is multiple regression analysis using SPSS Version 29 software. Based on the results of hypothesis testing, it can be concluded that CAR does not have a positive influence on ROA partially. NIM partially has a positive and significant influence on ROA. Meanwhile, BOPO does not have a significant influence on ROA in PT Bank Pembangunan Daerah Kalimantan for the period 2018-2022. Keywords: BOPO, CAR, NIM, ROA
摘要：本研究旨在确定 2018-2022 年期间 CAR、NIM 和 BOPO 对 PT Pembangunan Daerah Kalimantan 银行的影响。本研究的研究对象是由 4 家公司组成的加里曼丹大马银行（Bank Pembangunan Daerah Kalimantan）。采用的抽样技术是目的性抽样，即基于某些考虑因素进行抽样。考虑因素是加里曼丹大马银行拥有 5 年（即 2018-2022 年）的完整财务数据。本研究的数据分析方法是使用 SPSS 29 版软件进行多元回归分析。根据假设检验的结果，可以得出结论：资本充足率（CAR）对投资回报率（ROA）部分没有正向影响。NIM 部分对 ROA 有正向显著影响。同时，BOPO 对 PT Pembangunan Daerah Kalimantan 银行 2018-2022 年期间的 ROA 没有显著影响。关键词：BOPOBOPO；汽车；NIM；ROA
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