THE EFFECT OF CAR, LDR, AND NPL ON ROA

Mohammad Azka Mufarodi; Meliza Meliza

Mohammad Azka Mufarodi Universitas Pekalongan
Meliza Meliza Universitas Pekalongan

Keywords: Capital Adequacy Ratio, Loans to Deposit Ratio, Non Performing Loans, Return On Assets

Abstract

This research aims to test and analyze the influence of capital adequacy ratios, loan-to-deposit ratios, and non-performing loans on the return on assets of conventional banking companies listed on the IDX for the 2020–2022 period. This research is a type of causal research. Causal research, namely the type of research used to test causal relationships between variables, The selection and collection of sample data required in this research was purposive sampling. The total sample consisted of 43 companies. The data analysis techniques used are classical assumption tests, model suitability tests, multiple linear regression analysis, and hypothesis testing using the IBM SPSS 23 program. The research results show (1) that the capital adequacy ratio has a positive and insignificant effect on return on assets. (2) The loan-to-asset ratio has a positive and significant effect on return on assets. (3) Non-performing loans have a negative and significant effect on return on assets.

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