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Pengaruh Bopo, Likuiditas, dan Non Performing Loan (NPL) Terhadap Profitabilitas pada Perusahaan Perbankan Swasta Nasional Devisa (CD + Cetak)
This study was made with the aim of examining the effect of the variable Operating Costs and Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loans (NPL) on Net Interest Margin (NIM). The sampling technique used was purposive sampling, which is based on the criteria for national foreign exchange private commercial banks that have gone public in the 2018-2019 period. The analysis technique used is multiple linear regression analysis. However, previously the classic assumption test was carried out which included the normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. In addition, hypothesis testing was also carried out using the f test to determine the effect together and the t test to determine the effect partially. The normality test shows that during the study period the data were normally distributed. Meanwhile, based on the multicollinearity, heteroscedasticity and autocorrelation tests, there are no variables that deviate from the classical assumptions, this means that the available data meets the requirements for use in multiple linear regression analysis, illustrating that BOPO, LDR and NPL jointly affect NIM. And partially BOPO, LDR and NPL are significant to NIM.
Keyword: Operational Costs and Operational Income (BOPO), Loan to Deposit Ratio (LDR), Non Performing Loans (NPL) and Net Interest Margin
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