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Pengaruh Car, NPL dan LDR Terhadap Bank BUMN Periode 2012-2019 (CD + Cetak)
This study was made with the aim of examining the effect of the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) on Return On Assets.
State-owned enterprises (BUMN) were used as research objects for the 2012-2019 period, which consisted of 4 banking companies. The analysis technique used is multiple regression analysis. But beforehand, the classical assumption test was carried out which included the normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. In addition, a hypothesis test 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, multicollinearity, heteroscedasticity, autocorrelation tests were not found for variables that deviated from the classical assumptions, meaning that the available data met the requirements for use in multiple linear regression analysis. From the multiple regression results, it shows that the CAR, NPL and LDR data together have an effect on ROA. Meanwhile, partially, CAR, NPL and LDR have a significant effect on ROA.
Keywords: Capital Adequacy (ROA), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR) and Return On Assets (ROA).
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