DETERMINANTS OF THE INFLUENCE OF CAR, NIM, NPL, LDR, BOPO AND TOTAL CREDIT ON ROA IN CONVENTIONAL COMMERCIAL BANKS: ARDL APPROACH

Nana Safitri, Nurul Azizah Az Zakiyyah, Muhammad Safar Nasir

Abstract


The health of the banking system is the main thing that needs to be considered so that it does not cause problems in the financial system. This research examines the quality and health of conventional banks in Indonesia, where the better the quality of banking, the more it will encourage trust and increase the flow of capital and financial assets. This research aims to assess and determine the influence of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loans (NPL), Loan Deposit Ratio (LDR), Operational Costs on Operating Income (BOPO), and Total Credit against Return on Assets (ROA). This research uses quantitative data and secondary data sourced from the Financial Services Authorization for the period 2018 to 2022 with the autoregressive distribution lag (ARDL) approach and tests stationarity with the unit root test of the Augmented Dickey-Fuller (ADF) and Philips-Perron (PP) approaches. The results of this research show that in the short term, all independent variables have a significant effect on ROA, meaning that every change that occurs in the percentage of CAR, NIM, NPL, LDR, BOPO, and Total Credit will affect the ROA percentage of conventional commercial banks. Meanwhile, only the Loan to Deposit Ratio variable significantly affects ROA in the long term. The implication is that the financial sector can monitor internal and external factors that could disrupt monetary stability.

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Publihser:
Universitas Ahmad Dahlan

Editorial Address:
Yogyakarta

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