Analysis of Factors That Influence Banking Performance in Banks Listed on The Indonesian Stock Exchange

Rizal Pamuja, Dian Safitri PK, Isnaeni Rokhayati, Heru Cahyo, Nirmala Nirmala

Abstract


This research aims to determine the effect of CAR, LDR, NIM, dividend policy, NPL, BOPO, and inflation on ROA in banks listed on the Indonesia Stock Exchange in 2017-2022. The population is 49 companies in the banking sector. The sample technique with purposive sampling consisted of 11 companies. The study used panel data regression analysis with the best random effect model. Based on the results of the t test analysis, it shows that the CAR, LDR, dividend policy, NPL and inflation variables have no effect on ROA. The NIM variable has a significant positive effect on ROA. The BOPO variable has a significant negative effect on ROA. Investors are expected to be able to see CAR, LDR, NIM, dividend policy, NPL, BOPO or inflation when making a decision to invest.

The limitation in this study is that it cannot prove that the CAR, LDR, dividend policy, NPL or inflation variables have a significant effect on ROA due to the short observation period. Future research can use other variables such as cash ratio, loan to asset ratio, net profit margin, return on equity, debt to equity ratio, price earning ratio, and earnings per share, BI rate, exchange rate, money supply, and gross domestic product.

Keywords: ROA; CAR, LDR, NIM; dividend policy; NPL; BOPO; inflation.

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References


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