Jurnal Simki Economic
Vol 5 No 1 (2022): Volume 5 Nomor 1 Tahun 2022

Analisis Rasio NIM, BOPO, NPL dan LDR terhadap ROA Bank Rakyat Indonesia Tahun 2009-2020

Restu Hidayat (Universitas Ahmad Dahlan)
Firsty Ramadhona Amalia Lubis (Universitas Ahmad Dahlan)
Agus Salim (Universitas Ahmad Dahlan)

Article Info

Publish Date
24 Jan 2022

Abstract

ROA is scale used to calculate bank effectiveness because Return On Assets (ROA) is an important one for calculating profits by utilizing assets owned by a bank. So analyzing the effect of the ratio of Net Interest Margin (NIM), Operating Costs to Operating Income (BOPO), Loan To Deposit Ratio (LDR), and Non-Performing Loans (NPL) on the Return On Assets (ROA) of Bank Rakyat Indonesia is very important to see the level of the health of the bank and the bank's profit. The data used is Bank Rakyat Indonesia from 2009-2020. The results showed that the BOPO and LDR variables had a positive effect on ROA, while the NIM and NPL variables had a negative effect on ROA. The analytical tool used in this research is the Vector Error Correction Model (VECM).

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Journal Info
Jurnal Simki Economic
Website

Abbrev

JSE

Publisher

Universitas Nusantara PGRI Kediri

Subject

Economics, Econometrics & Finance Social Sciences

Description

Journal Simki Economic is open access, peer-reviewed journal whose objectives is to publish original research papers related to the Indonesian economy and business issues. This journal is also dedicated to disseminating the published articles freely for international academicians, researchers, ...