PENGARUH DANA PIHAK KETIGA (DPK), LOAN TO DEPOSIT RATIO (LDR) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) BANK UMUM PERSERO DI INDONESIA PERIODE TAHUN 2019-2023

Abstrak

Shanty Oktariani, Pengaruh Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Biaya
Operasional Pendapatan Operasional Terhadap Return on Assets (ROA) Bank Umum Persero di
Indonesia Periode 2019-2023, Skripsi tahun 2024.
Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga (DPK), Loan to Deposit
Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Return on Assets
(ROA) pada Bank Umum Persero di Indonesia. Penelitian ini menggunakan metode regresi liniar
berganda dan menggunakan alat analisis SPSS 29. Hasil penelitian ini menunjukkan bahwa secara
simultan variabel Dana Pihak Ketiga (DPK), Loan to Deposit Ratio (LDR) dan Biaya Operasional
Pendapatan Operasional (BOPO) berpengaruh terhadap Return on Assets (ROA). Secara parsial
variabel Dana Pihak Ketiga (DPK) dan Loan to Deposit Ratio (LDR) tidak berpengaruh signifikan,
Biaya Operasional Pendapatan Operasional (BOPO) berpengaruh negatif signifikan terhadap
Return on Assets (ROA).

Shanty Oktariani, The Effect of Third Party Funds (DPK), Loan to Deposit Ratio (LDR) and
Operational Costs Operational Income To Return on Assets (ROA) of Bank Umum Persero in
Indonesia for the 2019-2023 Period, Thesis 2024.
This research aims to determine the influence of Third Party Funds (DPK), Loan to Deposit Ratio
(LDR) and Operational Costs, Operational Income (BOPO) on Return on Assets (ROA) at Persero
Commercial Banks in Indonesia. This research uses multiple linear regression methods and uses
the SPSS 29 analysis tool. The results of this research show that simultaneously the variables Third
Party Funds (DPK), Loan to Deposit Ratio (LDR) and Operating Costs Operating Income (BOPO)
have an effect on Return on Assets (ROA). Partially, the Third Party Funds (DPK) and Loan to
Deposit Ratio (LDR) variables do not have a significant effect, Operational Costs and Operational
Income (BOPO) have a significant negative effect on Return on Assets (ROA).