ABSTRAK
Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Loan
(NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) dan Biaya
Operasional Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA)
pada sektor perbankan yang terdaftar di Bursa Efek Indonesia tahun 2018-2021.
Penelitian ini menggunakan data kuantitatif dan data sekunder. Metode
pengumpulan data yang digunakan dalam penelitian ini yaitu menggunakan
purposive sampling. Metode yang digunakan dalam penelitian ini yaitu uji asumsi
klasik, regresi linier sederhana dan analisis regresi linier berganda. Variabel yang
digunakan dalam penelitian ini menggunakan dua variabel yaitu variabel dependen
dan variabel independen. Variabel dependen yaitu Return On Asset (ROA)
sedangkan variabel independen yaitu Non Performing Loan (NPL), Loan to Deposit
Ratio (LDR), Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan
Operasional (BOPO).
Hasil penelitian ini menunjukan bahwa secara parsial Non Performing Loan
(NPL) dan Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Return On
Asset (ROA) sedangkan Capital Adequacy Ratio (CAR) dan Biaya Operasional
Pendapatan Operasional (BOPO) berpengaruh positif dan signifikan terhadap
Return On Asset (ROA). Secara simultan Non Performing Loan (NPL), Loan to
Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) dan Biaya Operasional
Pendapatan Operasional (BOPO) berpengaruh positif dan signifikan terhadap
Return On Asset (ROA).
Kata Kunci: Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital
Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO)
dan Return On Asset (ROA).

ABSTRACT
This study aims to determine the effect of Non Performing Loans (NPL), Loan
to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) and Operating Costs of
Operating Income (BOPO) on Return On Assets (ROA) in the banking sector listed
on the Stock Exchange. Indonesia in 2018-2021.
This study uses quantiitative data and secondary data. The data collection
method used in this research is using purposive sampling. The method used in this
study is the classical assumption test, simple linier regression and multiple linear
regression. The variables used in this study used two variables, namely the
dependent variable and the independent variable. The dependent variable is Return
On Assets (ROA) while the independent variables are Non Performing Loans
(NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) and Operating
Costs of Operating Income (BOPO).
The results of this study indicate that partially Non Performing Loans (NPL)
and Loan to Deposit Ratio (LDR) have no effect on Return On Assets (ROA) while
Capital Adequacy Ratio (CAR) and Operating Costs of Operating Income (BOPO)
have a positive and significant effect on Return On Assets (ROA). Simultaneously
Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy
Ratio (CAR) and Operating Cost of Operating Income (BOPO) have a positive and
significant effect on Return On Assets (ROA).
Keywords: Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital
Adequacy Ratio (CAR), Operating Cost of Operating Income (BOPO) and Return
On Assets (ROA).