Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR).
NET INTEREST
MARGIN (NIM).
AND LOAN TO DEPOSITS RATIO (LDR) ON RETURN ON
ASSET (ROA) IN PT BANK NEGARA INDONESIA PERSERO TBK PERIOD OF
Palupi Permata Rahmi1.
Listri Herlina2.
Shanty Novitasary3 Universitas Indonesia Membangun.
Bandung.
Indonesia permata@inaba.
id1, listriherlina1@gmail.
com2, shantynovita11@gmail.
ABSTRACT
One measure to assess the level of soundness or performance of a bank's profitability is Return On Assets (ROA).
The level of Return On Assets (ROA) is used to measure bank profitability and focuses on the company's ability to earn profits in its operations.
Bank Indonesia sets a minimum amount of Return On Assets (ROA) of However, the Return on Assets (ROA) at PT Bank Negara Indonesia Persero.
Tbk for the 2011-2021 period fluctuated with a downward trend.
Many factors can affect the rise and fall of Return On Assets (ROA).
This study aims to explain the effect of Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) on Return On Assets (ROA).
This research uses quantitative methods with descriptive and verification approaches.
The type of data is secondary data sourced from w.
id and the annual report of PT Bank Negara Indonesia.
Tbk.
The data analysis method used is descriptive analysis and verification analysis .
lassical assumption test, multiple regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis The results showed that: .
Return on Assets (ROA) fluctuated with a downward trend with an average of 53% and a standard deviation of 0.
Capital Adequacy Ratio (CAR) fluctuates with a downward trend with an average of 17.
97% and a standard deviation of 1.
Net Interest Margin (NIM) fluctuated with a downward trend with an average of 5.
63% and a standard deviation of 0.
Loan to Deposits Ratio (LDR) fluctuates with an increasing trend with an average of 84.
79% and a standard deviation of 6.
Capital Adequacy Ratio (CAR) has no significant effect on Return On Assets (ROA).
Net Interest Margin (NIM) has a significant effect on Return On Assets (ROA).
Loan to Deposits Ratio (LDR) has no significant effect on Return On Assets (ROA).
Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) simultaneously .
have a significant effect on Return On Assets (ROA).
With the influence contribution of 67.
50%, while the remaining 32.
50% is influenced by other factors that are not included in the study.
Keywords: Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM).
Loan to Deposits Ratio (LDR), and Return On Assets (ROA)) INTRODUCTION The development of the financial sector, especially changes in the composition or structure of the banking sector in Indonesia, is expected to bring positive changes to the national economy.
In particular, banking has a intermediary, namely the party that connects those who have financial surplus .
and those who are financially deficient.
This intermediation function is also part of realizing the banking function as an agent of very important role in the movement of the An assessment is needed to assess the wheels of the Indonesian economy.
According performance of management at a bank to Fahmi .
a bank is a financial whether the bank is in good condition or not, intermediary institution that functions as an especially in activities involving the economy Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 of a country.
One indicator to see the financial performance of a bank is by looking at the level of profitability generated by the bank.
According to Kasmir .
7: .
profitability is the company's ability to seek profit.
Measurement of profitability can be measured using the ratio of Return on Assets (ROA).
According to Kasmir .
Return on Assets (ROA) is a ratio that shows the company's ability to generate profits by using the total assets owned.
According to Garcia and Guerreiro .
Return on Assets (ROA) was chosen because it shows how efficiently the bank is run to show how much profit is generated by each unit of assets.
According to Dietrich and Wanzenried .
Return on Assets (ROA) has emerged as a key ratio for evaluating bank profitability and has become the most common measure of bank profitability in the literature.
The following is the Return on Assets Based on Figure 1, the Return on Assets (ROA) at PT Bank Negara Indonesia (BNI).
Tbk for the period 2011-2021 fluctuated with a downward trend.
Even in the last year, 2020, the Return on Assets (ROA) was the smallest value of the last 11 years, which was 0.
this indicates that the bank's performance is not going well .
because it produces small profits.
If there is a decrease in the value of profitability (ROA), it is necessary to know what factors affect the rise and fall of the value of profitability (ROA).
Factors that influence the fluctuation of profitability are Capital Adequacy Ratio (CAR).
Non Performing loan (NPL).
Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) (Purwoko and Sudiyatno, 2.
(Wahyudi and Kartikasari, (Wityasari and Pangestuti, 2.
, (Meilani et al.
, 2.
(Nur Aryanti et al.
(Rahayu Rahmi, (ROA) value at PT Bank Negara Indonesia, (Supriantikasari & Utami, 2.
The most Tbk for the 2011-2021 period as shown in dominant factors affecting profitability are Figure 1.
Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR).
One of the analytical tools used to determine the soundness of a bank is known as CAMELS analysis.
CAMELS analysis Source: w.
id (Data processe.
Capital.
Asset Quality.
Management.
Earning.
Liquidity.
Sensitivity to Market Risk (Kasmir, 2012:.
Figure 1.
Graph of ROA Value of PT Financial ratios included in CAMELS which Bank Negara Indonesia Tbk Period of are predictor factors in this study are Capital Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Adequacy Ratio (CAR).
Net Interest Margin Figure 2.
Value of Capital Adequacy (NIM), and Loan to Deposit Ratio (LDR).
Ratio (CAR).
Net Interest Margin (NIM), and Loan to According to Fahmi .
5: .
the Capital Adequacy Ratio (CAR) or often referred to as the bank's capital adequacy ratio is how a bank is able to finance its activities with its capital ownership.
According to Kasmir .
4: .
, the higher the capital adequacy ratio, the more credit is given, thereby increasing bank profits and thereby increasing bank profitability.
Deposit Ratio (LDR) at PT Bank According to Pandia .
Net Negara Indonesia.
Tbk Period of 2011-2021.
Interest Margin (NIM) is a ratio used to measure the ability of bank management to manage their productive assets to generate net interest income.
The greater the ratio, the higher the interest income on productive assets managed by the bank, so that the In Figure 2, the value of the Capital Adequacy Ratio (CAR) at PT Bank Negara Indonesia.
Tbk for the period probability of a bank being in trouble is getting smaller.
The phenomenon of a decrease According to Kasmir .
Loan to Deposit Ratio (LDR) is a ratio that in the CAR value means that it shows a reduced capital so that the credit provided measures the ratio of the amount of credit to is reduced which consequently reduces the amount of funds and public capital used.
The higher this ratio, the higher the bank's The value of Net Interest Margin profit, the bank believes that the profit can (NIM) at PT Bank Negara Indonesia.
Tbk guide credit well, so that increasing bank for the period 2011-2021 fluctuated and profits can improve bank performance.
tended to decrease.
It can be seen in Table The position of the predictor factors that affect 2 that the NIM value for the last 5 years profitability (ROA) is shown in Figure 2.
has decreased, funds at the end of 2020 reached the lowest point for a period of 11 Source: w.
id (Data processe.
Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Loan to Deposit Ratio (LDR) at PT Based on the phenomena and Bank Negara Indonesia.
Tbk for the period research gaps that have been described, 2011-2021 fluctuated and tended to The higher this ratio, the lower conducting research on "The Effect of the bank's liquidity capacity and the Capital Adequacy Ratio (CAR).
Net greater the possibility of a bank in troubled Interest Margin (NIM), and Loan to Deposit Ratio (LDR) on Return On Assets The higher the Capital Adequacy (ROA) at PT Bank Negara Indonesia Ratio (CAR), the better the bank's ability Persero.
Tbk in Indonesia Period 2011- to bear the risk of any credit or risky 2021Ay.
productive assets.
In addition, if the value of the Capital Adequacy Ratio (CAR) is high, the bank is able to finance operational activities and make a sizeable contribution to profitability, which means that the Capital Adequacy Ratio (CAR) has a positive effect on Return on Assets (ROA) (Pardede and Pengestuti, 2.
This is in line with research conducted by Pratama et al .
Syamsuddin .
Setyarini .
Rembet Baramuli .
which state that the Capital Adequacy Ratio (CAR) has a positive effect on Return on Assets (ROA).
However, this is different from the research conducted by Sudarmawanti and METHOD Research Methods Used Sugiyono .
explains that, "The research method is defined as a scientific way to obtain data with certain purposes and uses.
" The research method is the main method used by researchers to achieve goals and determine answers to the problems posed.
The research method used in this research is to use quantitative methods with descriptive and verification Pramono .
Wahyudi and Kartikasari .
Nurhasanah and Maryono .
Variable Operations and Devi .
which state that the Capital Adequacy Ratio (CAR) has no effect on Return on Assets (ROA).
According to Sugiyono .
a variable is anything that is determined by the researcher to be studied so that information is obtained about it, then Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 conclusions are drawn.
In this study there obtained from Indonesia are two types of variables studied, namely Exchange (IDX) and the Annual Report of the independent variable .
ndependent PT Bank Negara Indonesia.
Tbk Period of variabl.
and the dependent variable .
ependent variabl.
The operational obtained from the websites w.
definition for each variable according to and w.
Quantitative Stock Sugiyono .
is as follows:
The Data collection technique (Dependent Variabl.
according to Data is a unit of information Sugiyono .
is a variable that is affected or is the result, distinguished from other data, can be analyzed and relevant to a particular The dependent variable Data collection is a systematic studied in this study is Return On and standard procedure to obtain the Assets (ROA) (Y).
required data.
The Independent Variable Data collection techniques refer to according to Sugiyono .
how the required data can be obtained.
is a variable that will affect or be The data collection used by the author is a the cause of the change or the literature study technique and data search .
The independent Literature study is the collection of data variables studied in this study are through books, articles, journals and Capital Adequacy Ratio (CAR) others related to the research conducted by (X.
Net Interest Margin (NIM) the author.
(X.
Loan to Deposits Ratio (LDR) (X.
Sampling Technique Population Data Types and Sources According Sugiyono The type of data used in this study .
Population is a generalization is quantitative data, the source of data area consisting of objects or subjects that taken by researchers using secondary data have certain qualities and characteristics (Secondary determined by researchers to be studied Dat.
Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 The .
Financial Statements of PT Bank population used in this study is the Negara Indonesia.
Tbk which are financial statements of PT Bank Negara listed on the IDX in a row for 11 Indonesia.
Tbk for the period 2011-2021.
periods 2011-2021.
Financial Report of PT Bank Research Sample Negara Indonesia.
Tbk which According to Sugiyono .
provides Sustainability Report the sample is part or the number and and Annual Report respectively for the period 2011-2021.
If the population is large, and .
Financial Report of PT Bank the research is not possible to study Negara Indonesia.
Tbk which everything in the population, for example provides data related to research due to limited funds, manpower and time, variables Capital Adequacy Ratio, the researcher will take a sample from that Net Interest Margin and Loan to What is learned from the Deposits Ratio for the period sample, the conclusions will be applied to the population.
For this reason, samples .
Financial statements ending on taken from the population must be truly December 31 for the period 2011- In this study, the researcher used .
The financial statements of PT Bank Negara Indonesia.
Tbk According to Sugiyono .
6: .
the which have a fluctuating Return purposive sampling method was sampling On Assets (ROA) tend to fall.
data sources with certain considerations.
The author chooses purposive sampling Data Analysis which establishes certain considerations Hypothesis Testing Techniques or criteria that must be met by the samples used in this study.
Descriptive Analysis In this study, the sample is companies This that meet certain criteria.
The criteria used analysis to describe the research variables, as research samples are:
Return Assets (ROA).
Capital Adequacy Ratio (CAR).
Net Interest Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Margin (NIM), and Loan to Deposits yca1Oeyca3 : Regression coefficient, is the Ratio (LDR).
Verification Analysis dependent variable due to change population or sample with the aim of to Sugiyono .
is defined as in each unit of the independent The verification method according Residual Error .
, disturbance variable testing the established hypothesis.
This analysis is used to determine how strong Correlation Coefficient Analysis the influence of the independent variables According to Kuncoro .
3: .
Capital Adequacy Ratio (CAR).
Net the correlation coefficient test is used to Interest Margin (NIM) and Loan to measure how big the linear relationship of Deposits Ratio (LDR) on Return On the independent variables studied is to the Assets (ROA) at PT Bank Negara Indonesia.
Tbk.
coefficient (R) has a value between -1.
The In this study there are four The closer R approaches the variables, of which three are independent 00, it can be interpreted that the variables, namely Capital Adequacy Ratio relationship between the independent (CAR) (X.
Net Interest Margin (NIM) variable and the dependent variable is (X.
Loan to Deposits Ratio (LDR) (X.
getting stronger and negative and vice and Return On Assets (ROA).
) (Y).
The general form of the multiple linear (Sugiyono, 2017:.
Y = a b1X1 b2X2 b3X3 Y e Coefficient of Determination Analysis The coefficient of determination is used to measure or find out how much change in the dependent variable is Explanation:
: Return On Asset (ROA) independent variable.
To explore this, it : Koefisien konstanta can be determined by calculating the ycU1 : Capital Adequacy Ratio (CAR) coefficient of determination with the ycU2 : Net Interest Margin (NIM) following formula:
ycU3 : Loan to Deposits Ratio (LDR) yaycc = ycI2 y 100% Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Explanation:
- The probability number (GIS) < 0.
05 the How far is the change in relationship between the two variables is significant.
- The probability number (GIS) > 0.
05 the The square of the correlation relationship between the two variables is not significant.
F Test (Simultaneous Tes.
Hypothesis Test The F test is used to determine the T Test (Partial Tes.
simultaneous effect of the independent According to Ghozali .
6: .
the variable on the dependent variable.
partial test basically shows how far the influence of one explanatory/independent .
is as follows:
Sugiyono variable individually in explaining the variation of the independent variable.
find out the significant level of the regression coefficient, the authors use ycI2 / .
co Oe .
yaEaycnyc = .
Oe ycI2 )/.
cu Oe yco Oe .
student t test statistics with the following Explanation :
yc= Fh = F test value (Calculat.
ycOoycu Oe 2 K = Number of independent variables Oo1 Oe yc 2 N = Number of sample members The significance level in this study Source: Sugiyono, .
05, meaning that the risk of making a Explanation:
decision error is 0.
= t test value = correlation coefficient value = number of samples RESULTS AND DISCUSSION The basis for decision making according to Suharyadi and Purwanto .
9: .
, states:
Descriptive Analysis The variables used in this study consisted of: Return On Assets (ROA) (Y) as the dependent variable and Capital Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Adequacy Ratio (CAR) (X.
Net Interest 79% with a standard deviation Margin (NIM) (X.
and Loan to Deposits Ratio (LDR) ( X.
as the independent The explanation of descriptive Verification Analysis analysis in this study is as follows::
Multiple linear regression analysis Return on Assets (ROA) at PT The following are the results of the Bank Negara Indonesia Persero, multiple linear analysis test shown in Tbk for the period 2011-2021 Table 1.
fluctuated with a tendency to decline, with an average value Table 1.
Multiple linear regression .
53% with a standard deviation of 0.
Capital Adequacy Ratio (CAR) at Bank Negara Indonesia Persero.
Tbk period 2011-2021 fluctuated with a tendency to Based on Table 1, the values of the decline, with an average value of constants and regression coefficients are 97% with a standard deviation obtained so that the regression model equation formed is as follows:
Net Interest Margin (NIM) at PT Y = -3.
049- 0,042X1 1.
013X2 0,007X3
Bank Negara Indonesia Persero, e Tbk for the period 2011-2021 Dimana:
fluctuated with a tendency to Return On Asset (ROA) (Y) decline, with an average value of Capital Loan to Deposits Ratio (LDR) at Bank
Negara
Ratio
(CAR)
63% with a standard deviation of Adequacy Net Interest Margin (NIM) Loan to Deposits Ratio (LDR) Indonesia Persero.
Tbk period 2011-2021 fluctuated with a tendency to increase, with an average value of From the regression equation above, it can be interpreted as follows:
Constant value .
is -3,049 units and it means that all variables, namely Capital Adequacy Ratio Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 (CAR) (X.
Net Interest Margin the other variables are constant, (NIM) (X.
and Loan to Deposits then the Return On Asset (ROA) Ratio (LDR) (X.
in this study are variable (Y) increased by 0.
or constant, then the value of the units and vice versa.
Return On Asset (ROA) (Y) variable is -3.
049 units.
The value of the Capital Adequacy Correlation Coefficient Analysis Ratio (CAR) (X.
variable is Table 042 units and is negative.
Analysis Correlation Coefficient Capital Adequacy Ratio (CAR) (X.
variable increases by one unit and the other variables are constant, then the Return On Asset (ROA) (Y) variable ) decreased by 0.
units, and vice versa.
Margin (NIM) (X.
variable is 013 units and has a positive value, meaning that if the Net Margin
(NIM)
(X.
variable increases by one unit and the other variables are constant, the Return On Asset (ROA) variable (Y ) increased by 1,013 units and vice versa.
Ratio (LDR) (X.
variable is 0.
units and has a positive value, meaning that if the Loan to Ratio
(LDR)
(NIM) (X.
and Loan to Deposits Ratio (LDR) (X.
simultaneously with Return On Assets (ROA) (Y) is of 0.
Based on the correlation criteria included in the 80 - 1,000, it means that the relationship between variables is very strong and unidirectional.
This means that if the Capital Adequacy Ratio (CAR) (X.
Net Interest Margin (NIM) (X.
and Loan to Deposits Ratio (LDR) (X.
The value of the Loan to Deposits Deposits that the correlation of Capital Adequacy Ratio (CAR) (X.
Net Interest Margin The value of the Net Interest Interest Based on Table 2, it can be seen (X.
variable increases by one unit and increase, the Return On Asset (ROA) (Y) will increase.
Likewise, if the Capital Adequacy Ratio (CAR) (X.
Net Interest Margin (NIM) (X.
and Loan to Deposits Ratio (LDR) (X.
decrease, the Return On Assets (ROA) (Y) will also decrease.
Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Dependent Variables.
The null hypothesis Analysis determination (R.
(H.
indicates that there is no influence between the Independent Variables and The coefficient of determination is the Dependent Variables.
The alternative used to see how much influence the hypothesis (H.
shows that there is an independent variable has on the dependent variable in the form of percent (%).
The Variables and the Dependent Variables.
following is the result of calculating the The hypothesis testing technique in this coefficient of partial determination with study used the t test and the F test.
Independent the help of SPSS 21.
0 which is shown in Table 3.
Table 4.
Partial Test .
Tes.
Table 3.
Analysis of the coefficient of From Table 3, it can be seen that the R Square value is 0.
The value of R Square shows the value of the coefficient of determination.
So, it can be concluded that the K D value = 0.
50%).
This means that Return on Assets (ROA) is influenced by the Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) of 67.
50%, while the 50% is influenced by other factors that not included in the research.
Based on Table 4, the following results were obtained:
The t-count value of Capital Adequacy Ratio (CAR) to Return On Assets (ROA) is -0.
336 with a 746 greater than =0.
746 > 0.
So that Ho is accepted (Ha is rejecte.
thus partially there is no significant Hypothesis Test Hypothesis testing in this study aims to test whether there is an influence effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA).
between the Independent Variables on the Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 The t-count value of Net Interest Based on Table 5, the F-count Margin (NIM) to Return On Assets value is 4.
849 with a significant 0.
039 less (ROA) 05 .
039 <0.
, it can be significantly smaller than =0.
concluded that Ha is rejected and Ho is .
009 <0.
So Ha is accepted accepted, meaning that simultaneously (Ho is rejecte.
thus partially there there is a significant is a significant effect of Net Interest Margin (NIM) on Return On Assets (ROA).
The t value of Loan to Deposits Ratio (LDR) to Return On Assets (ROA) is 0.
246 with a significant effect of Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM), and Loan to Deposits Ratio (LDR) to Return On Assets (ROA) at PT Bank Negara Indonesia Persero.
Tbk period 2011-2021.
813 greater than =0.
So that Ho is accepted (Ha Discussion of Research Results is rejecte.
thus partially there is Effect of Capital Adequacy Ratio no significant effect of Loan to (CAR) on Return On Assets (ROA) Deposits Ratio (LDR) on Return On Assets (ROA).
Based on the results of the study, it was stated that there was no significant effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA).
This can be seen in the associative hypothesis testing .
where the t value of the Capital Adequacy Ratio (CAR) to Return On Assets (ROA) is -0.
336 with a significant 746 greater than = 0.
746 > 0, .
Simultaneous Test (F Tes.
Table 5.
F Test So Ho is accepted (Ha is rejecte.
thus there is no significant effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA) at PT Bank Negara Indonesia Persero.
Tbk period 2011-2021.
These results are in line with research conducted by Sudarmawanti and Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Pramono .
Wahyudi and Kartikasari Effect of Loan to Deposits Ratio (LDR) .
Nurhasanah and Maryono .
, on Return On Assets (ROA) and Devi .
which state that the Based on the results of the study, it Capital Adequacy Ratio (CAR) has no was stated that there was no significant effect on Return on Assets ( ROA).
effect of Loan to Deposits Ratio (LDR) on Return On Assets (ROA).
This can be seen Effect of Net Interest Margin (NIM) on in testing the associative hypothesis .
Return On Assets (ROA) where the t value of the Loan to Deposits Based on the results of the study, it Ratio (LDR) to Return On Assets (ROA) was stated that there was a significant 246 with a significant 0.
813 greater effect of Net Interest Margin (NIM) on than =0.
813> 0.
05 ).
So that Ho is Return On Assets (ROA).
This can be seen accepted (Ha is rejecte.
thus partially in testing the associative hypothesis .
there is no significant effect of Loan to where in the study the t value of Net Deposits Ratio (LDR) on Return On Interest Margin (NIM) on Return On Assets (ROA) at PT Bank Negara Assets (ROA) was 3.
563 with 0.
Indonesia Persero.
Tbk for the period significantly smaller than = 0.
<0.
05 ).
So that Ha is accepted (Ho is This is in line with research conducted by Nurhasanah and Maryono significant effect of Net Interest Margin (NIM) on Return On Assets (ROA) at PT .
, and Rembet and Baramuli .
Bank Negara Indonesia Persero.
Tbk for E Landitha Karunia Antika.
Palupi the period 2011-2021.
Permata Rahmi.
Yoyo Sudaryo.
Riyandi This is in line with research Alphamalana Paramita Nur Sumawidjaja, .
Ina Zakiah & (Sudarmawanti Listri Herlina, .
Maulani et al.
Pramono.
Nurhasanah .
which state that the Loan to Maryono .
Pratam et al .
Deposit Ratio (LDR) does not have a Syamsuddin .
, and Setyarini .
positive effect on Return on Assets which state that Net Interest Margin (ROA).
(NIM) has a positive effect to Return on Assets (ROA).
Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 Effect of Capital Adequacy Ratio Deposits Ratio (LDR) on Return On (CAR).
Net Interest Margin (NIM).
Assets (ROA).
This can be seen in the F and Loan to Deposits Ratio (LDR) on test, where the F-count value is 4, 849 with Return On Assets (ROA) a significant 0.
039 less than 0.
The correlation coefficient test <0.
, it can be concluded that Ha is value simultaneously between Capital rejected and Ho is accepted, meaning that Adequacy Ratio (CAR).
Net Interest simultaneously there is a significant effect Margin (NIM) and Loan to Deposits Ratio of Capital Adequacy Ratio (CAR).
Net (LDR) to Return On Assets (ROA) is Interest Margin (NIM), and Loan to 822, meaning that the relationship Deposits Ratio (LDR) to Return On Assets between variables is very strong and (ROA) at PT Bank Negara Indonesia This indicates that if the Persero.
Tbk for the period 2011-2021.
Capital Adequacy Ratio (CAR).
Net This is in line with research Interest Margin (NIM) and Loan to conducted by Moorcy .
and Pratama Deposits Ratio (LDR) increase, the Return On Assets (ROA) will increase.
The value simultaneously Capital Adequacy Ratio (CAR).
Net Interest Margin (NIM), and .
Capital Loan to Deposit Ratio (LDR) have a Adequacy Ratio (CAR).
Net Interest significant effect on Return on Assets Margin (NIM) and Loan to Deposits Ratio (ROA).
(LDR) to Return On Assets (ROA) is 50%, meaning that Return On Assets CONCLUSIONS (ROA) is influenced by Capital Adequacy Conclusion Ratio (CAR).
Net Interest Margin (NIM).
Based on the results of research and Loan to Deposits Ratio (LDR) were and discussion on "The Influence of 50%, while the remaining 32.
50% was Capital Adequacy Ratio (CAR).
Net influenced by other factors not included in Interest Margin (NIM), and Loan to the study.
Deposits Ratio (LDR) on Return On Based on the results of the study, it Assets (ROA) at PT Bank Negara was stated that there was a significant Indonesia Persero.
Tbk period 2011-2021.
effect of Capital Adequacy Ratio (CAR).
Ay, then the writer can draw the following Net Interest Margin (NIM), and Loan to conclusions, .
Return on Assets (ROA) Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 at PT Bank Negara Indonesia Persero.
Tbk Capital Adequacy Ratio (CAR), for the period 2011-2021 fluctuated with a Net Interest Margin (NIM), and Loan to tendency to decline, with an average value Deposits .
53% with a standard deviation .
have a significant effect Capital Adequacy Ratio on Return On Assets (ROA) at PT Bank (CAR) at PT Bank Negara Indonesia Negara Indonesia Persero.
Tbk period Persero.
Tbk period 2011-2021 fluctuated Ratio
(LDR)
with a tendency to decline, with an average value of 17.
97% with a standard Suggestion deviation of 1.
Net Interest Margin As for this research, it will be (NIM) at PT Bank Negara Indonesia useful for certain parties who are used Persero.
Tbk for the period 2011-2021 fluctuated with a tendency to decline, with suggestions that can be given are as an average value of 5.
63% with a standard deviation of 0.
Loan to Deposits For Companies:
Ratio (LDR) at PT Bank Negara Indonesia The Capital Adequacy (CAR) with a tendency to increase, with an Indonesia Persero.
Tbk for the average value of 84.
79% with a standard 2011-2021 period in this study did deviation of 6.
Partially, the Capital not have a significant effect on Adequacy Ratio (CAR) has no significant Return On Assets (ROA) but the effect on Return On Assets (ROA) at PT company still needed to maintain Bank Negara Indonesia Persero.
Tbk for the CAR value so that it did not the period 2011-2021.
Partially.
Net decrease to the standard set by Interest Margin (NIM) has a significant Bank Indonesia.
which is 8% effect on Return On Assets (ROA) at PT where the value of the bank in this Bank Negara Indonesia Persero.
Tbk for study is still above 8% so the bank the period 2011-2021.
Partially the is still in a safe condition.
Loan to Deposits Ratio (LDR) has no maintaining the CAR value, the significant effect on Return On Assets bank can control and develop the (ROA) at PT Bank Negara Indonesia Persero.
Tbk for the period 2011- However, it should be noted that a Bank Ratio Persero.
Tbk period 2011-2021 fluctuated Negara Journal of Business and Management Inaba (JBMI) E-ISSN 2829-5331.
P-ISSN 2829-6559 VOLUME 01.
NO.
01 June 2022 very high CAR value can also However, in the last year the indicate a large number of idle bank experienced a decline, this also needs to be considered so that The Net Interest Margin (NIM) at Bank Negara the bank remains healthy in the Indonesia eyes of investors.
In maintaining Persero.
Tbk for the period 2011- the LDR value in order to remain 2021 in this study has a significant good, banks need to be selective in effect on Return On Assets (ROA, lending so that non-performing so management needs to pay more loans do not occur in the future, attention to the NIM factor so that where this will also hamper the banks do not have problems in the bank's opinion.
In this study, the NIM value For Further Researchers is at the safe limit, which is above This research is limited to 3 3% which indicates the bank's net independent variables, namely Capital Adequacy Ratio (CAR).
Net Interest However, it should be Margin (NIM), and Loan to Deposits noted in this research that the bank Ratio (LDR) which affect Return On has been continuously declining Assets (ROA), so further researchers are for the last 5 years, this condition advised to choose and add independent indicates the bank is experiencing which affects Return on Assets So management needs (ROA) with a greater influence and to overcome this problem.
so as contribution than this study.
not to experience a decline in the coming year.
BIBLIOGRAPHY