PENGARUH CAR, LDR, DAN NPL TERHADAP ROA

Abstract

This research aims to test and analyze the
influence of Capital Adequacy Ratio, Loan to
Deposit Ratio, and Non-Performing Loans on
Return on Assets in 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 was 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) Capital Adequacy
Ratio has a positive and insignificant effect on
Return On Assets. (2) Loan to Deposit 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.