Pengaruh Suku Bunga, INFLASI, CAR dan NPL terhadap ROA pada Bank Pembangunan Daerah Tahun 2017-2021

Abstract

Maydin Fajriawan, Business Administration Program, Faculty of Social and Political Sciences, Mulawarman University. The Influence of Interest Rate, Inflation, CAR and NPL on ROA in BPD for the period 2017-2021. Guided by Mr. Umar Hi Salim, SE,MM as a mentor.

Bank is a financial institution whose main activity is to collect funds from the public and channel these funds back to the public and provide other banking services. This Study aims to determine the effect of Interest Rate, Inflation, CAR and NPL simultaneously and partially on ROA in BPD for the period 2017-2021.

The population in this study were 27 BPD for the period 2017-2021. The sampling technique used purposive sampling method and obtained a sample of 18 Bank. The data analysis technique used is the classical assumption test (Normality test, Multicollinearity test, Heteroscedasticity test and Autocorrelation test), Multiple regression analysis (Regression Equation, Correlation Coefficient and Coefficient of determination) and Hypothesis test (Simultaneous test and Partial test).

The results showed that Interest Rate, Inflation, CAR and NPL had a significant simultaneous effect on ROA in BPD. While partially Interest Rate has positive effect and not significant on ROA in BPD. Inflation and CAR has positive effect and significant on ROA in BPD. NPL has Negative effect and significant on ROA in BPD