Nisvia, Lailatun (2026) Pengaruh Rasio Likuiditas, Kualitas Aset, Sensitivitas Pasar, Efisiensi Terhadap Bank Umum Berdasarkan Modal Inti KBMI Tiga dan Empat. Undergraduate thesis, Universitas Hayam Wuruk Perbanas.
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Abstract
Banks are financial institutions that receive deposits and redistribute them to the public in the form of credit, as well as provide other financial services. Based on this definition, banks have three main activities; collecting funds, distributing funds, and providing banking service. In relation to these functions, good financial performance is required to gain public trust. Therefore, this study aims to examine the effect of Loan to Deposit Ratio (LDR), Loan to Asset Ratio (LAR), Non-Performing Loan (NPL), Interest Rate Risk (IRR), Net Open Position (NOP), Operational Efficiency Ratio (OER) and Fee Based Income Ratio (FBIR) to Return on Asset (ROA), both simultaneously and partially. This study used secondary data in form of financial statements from the first quarter of 2020 to the fourth quarter of 2024. The sampling technique used purposive sampling with a panel data regression analysis method. The results of this study reveal that simultaneously all independent variables have a significant on ROA. Partially, IRR has a significant and positive effect on ROA. BOPO and FBIR have a significant and negative effect on ROA. LAR positif insignificant, LDR and NPL negative insignificant too on ROA. BOPO is a dominant effect on ROA Keywords: Bank, Financial Performance, ROA.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 300 - SOCIAL SCIENCE > 330 - 339 ECONOMICS > 332 - FINANCIAL ECONOMICS > 332.12 - BANKS & BANKING |
| Divisions: | Bachelor of Management |
| Depositing User: | Lailatun Nisvia |
| Date Deposited: | 09 Apr 2026 14:47 |
| Last Modified: | 09 Apr 2026 14:47 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/13998 |
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