Pengaruh Biaya Operasional Pendapatan Operasional, Non Performing Loan, Dan Net Interest Margin Terhadap Profitabilitas Bank BUMN Yang Terdaftar Di Bursa Efek Indonesia Tahun 2009 - 2018
Abstract
This study aims to determine the ef ect of Operational Cost of Operating Income (BOPO), Non Performing Loans (NPL), and Net Interest Margin (NIM) on profitability as measured by the Return On Assets (ROA) of BUMN Banks listed on the Indonesia Stock Exchange in 2009- 2018. This research is a quantitative research. The population in this study is state-owned banking listed on the Indonesia Stock Exchange. The total population of research is 40 data. Data collection techniques using the documentation method. Before the analysis is carried out first, testing the analysis requirements includes normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. Analysis of the data used to test hypotheses is to use multiple regression analysis techniques. Based on the results of the study indicate that Operational Costs Operating Income has a significant negative ef ect on profitability as measured by Return On Assets, this is evidenced by a significance value of t of 0,000. Non Performing Loans have a significant negative ef ect on profitability as measured by Return On Assets, this is evidenced by the significance value of t of 0.002 <0.05. Net Interest Margin has a significant positive ef ect on profitability as measured by Return On Assets, this is evidenced by the significance value of t of 0,000 <0.05. Operational Costs Operating Income, Non Performing Loans, and Net Interest Margin jointly af ect the profitability measured by Return On Assets, this is evidenced by the significance value of F of 0,000 <0.05.
Keywords: Net Interest Margin, Non Performing Loans, Return On Assets, Operational Costs Operating IncomeReferences
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