Analisis NPL, CAR, dan NIM dalam Mempengaruhi ROA melalui BOPO pada PT. Bank Rakyat Indonesia Tbk

This study aims to determine the effect of People’s Business Credit (KUR) Distribution, Non Performing Loan (NPL), Bank Indonesia Rate Level and Capital Adequacy Ratio (CAR) on profitability at PT Bank Rakyat Indonesia (Persero) Tbk for the period 2016-2023. The population in this study were all financial reports published by PT Bank Rakyat Indonesia (Persero) Tbk for the period 2016-2023. The sampling technique used was purposive sampling with the criteria for presenting data on people’s business credit distribution, Non Performing Loan (NPL), Bank Indonesia Rate Level and Capital Adequacy Ratio (CAR) and profitability at PT Bank Rakyat Indonesia (Persero) Tbk for the period 2016-2023. The data analysis of this study used SPSS. The results of the study showed that the People's Business Credit (KUR) Distribution variable partially had a positive and significant effect on the profitability of PT Bank Rakyat Indonesia with a significant value of 0.044. The Non Performing Loan (NPL) variable partially has a negative and significant effect on the profitability of PT Bank Rakyat Indonesia with a significant value of 0.017. The Bank Indonesia Interest Rate variable partially has a positive and significant effect on the profitability of PT Bank Rakyat Indonesia with a significant value of 0.031. While the Capital Adequacy Ratio (CAR) variable partially has a positive and insignificant effect on the profitability of PT Bank Rakyat Indonesia with a significant value of 0.083. This study shows that 58% of the profitability of PT Bank Rakyat Indonesia is influenced by the Distribution of People's Business Credit, Non Performing Loan (NPL), Bank Indonesia Interest Rate and Capital Adequacy Ratio (CAR) together.

The present work investigates and predicts the condition of financial distress in PT Bank Rakyat Indonesia (persero) Tbk, Unit Wonosari. All data, comprising quantitative and qualitative data, were analyzed based on the financial ratio. These data were retrieved from observation and direct interviews. Based on the data analysis, the hypothesis stating that PT Bank Rakyat Indonesia (persero) Tbk Unit Wonosari did not experience financial distress was accepted. This is because the results of the measurement of CAR, NPL, and NIM of the bank are in good condition (CAR and NIM fell under a very good category, and NPL fell under the good category). It can be concluded that PT Bank Rakyat Indonesia (persero) Tbk Unit Wonosari did not experience financial problems.

This study aims to determine the comparison of the soundness level of Central Government-Owned Banks, namely PT Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Mandiri Tbk, and PT Bank Tabungan Negara Tbk based on the Financial Services Authority Regulation Number 4/POJK.03/2016 concerning the Assessment of Commercial Bank Validity Level using the RBBR (Risk-Based Bank Rating) method. The period used in his research is 5 years, starting from 2018 to 2022. This type of research uses qualitative descriptive research. The data taken is secondary data in the form of the annual financial statements of PT. Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Mandiri Tbk, PT Bank Tabungan Negara Tbk for the 2018-2022 period. This study used an assessment method based on the calculation of each variable. Risk Profile assessment uses Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) ratios. Good Corporate Governance uses the results of Self Assessment of GCG implementation that has been published by PT Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Mandiri Tbk, PT Bank Tabungan Negara Tbk. Earning assessment uses the ratio of Return On Asset (ROA) and Net Interest Margin (NIM). Capital uses the Capital Adequacy Ratio (CAR). The results of research and data analysis can be concluded that the bank's soundness level using the RBBR method (Risk-Based Bank Rating) at PT Bank Rakyat Indonesia Tbk and PT Bank Mandiri Tbk during 2018-2022 obtained a Composite Rating 1 (PK-1) in the "Very Healthy" category. Meanwhile, PT Bank Negara Indonesia Tbk and PT Bank Tabungan Negara Tbk during 2018-2022 obtained Composite Rating 2 (PK-2) in the "Healthy" category.

This study investigates the influence of Return on Assets (ROA), Net Interest Margin (NIM), Non-Performing Loan (NPL), and Earnings per Share (EPS) on the stock prices of state-owned banks (BUMN) in Indonesia during the 2016–2023 period. The research applies a quantitative associative approach using saturated sampling, with the population consisting of annual financial reports from PT Bank Mandiri (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk. The sample comprises eight years of data collected from 2016 to 2023. Data were analyzed through multiple linear regression using EViews. The results reveal that NIM, NPL, and EPS significantly affect stock prices, while ROA shows no significant effect. These findings highlight that profitability measured by ROA is not a determining factor in stock price movements of state-owned banks, whereas NIM, NPL, and EPS play a more critical role in influencing investor decisions and market valuation. Keywords : Earnings per Share (EPS), Net Interest Margin (NIM), Non-Performing Loan (NPL), Return on Assets (ROA), Stock Price.

Penelitian ini bertujuan untuk mengetahui perbandingan tingkat kesehatan PT Bank Rakyat Indonesia Tbk dan PT Bank Negara Indonesia Tbk berdasarkan Peraturan Bank Indonesia (PBI) No.13/1/PBI/2011 tentang Penilaian Tingkat Kesahatan Bank Umum menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Eaming dan Capital). Periode yang digunakan dalam penelitiannya adalah 5 tahun, dimulai dari tahun 2017 sampai dengan tahun 2021. Jenis penelitian ini menggunakan penelitian deskriptif kuantitatif. Data yang diambil adalah data sekunder berupa laporan keuangan tahunan PT. Bank Rakyat Indonesia Tbk dan PT Bank Negara Indonesia Tbk periode 2017-2021. Penelitian ini menggunakan metode penilaian berdasarkan perhitungan masing-masing variabel. Penilaian Risk Profil menggunakan rasio Non Performing Loan (NPL) dan Loan to Deposit Ratio (LDR). Good Corporate Governance menggunakan hasil Self Assessment penerapan GCG yang telah diterbitkan oleh PT Bank Rakyat Indonesia Tbk dan PT Bank Negara Indonesia Tbk. Penilaian Earning menggunakan rasio Return On Asset (ROA) dan Net Interest Margin (NIM). Capital menggunakan rasio Capital Adequacy Ratio (CAR). Hasil penelitian dan analisis data dapat disimpulkan bahwa tingkat kesehatan bank menggunakan metode RGEC (Risk Profile, Good Corporate Governance, Earning dan Capital) pada PT Bank Rakyat Indonesia Tbk selama tahun 2017-2021 memperoleh Peringkat Komposit 1 (PK-1) masuk kategori “Sangat Sehat”. Sedangkan pada PT Bank Negara Indonesia Tbk selama tahun 2017-2021 memperoleh Peringkat Komposit 2 (PK-2) masuk kategori “Sehat”.

This study aims to determine the effect of Return on Assets (ROA), Liquidity Funding Ratio (LFR), Non Performing Loan (NPL) and Capital Adequacy Ratio (CAR) on lending. The objects of this research are PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) Tbk, and PT Bank Mandiri (Persero). This research was conducted during the period 2013 - 2017. The method of analysis used in this study is multiple linear regression. The results showed that ROA, LFR, and CAR were negatively related to lending. Whereas NPL has a positive effect on lending. The implication of the research results is that in order to increase lending, it must reduce ROA, LFR and CAR and increase the NPL value.

The objective of this study is to examine the significant effect of financial performance on stock price with Return on Assets (ROA) as an intervening variable in state-owned banks. This is an explanatory research. The research population is Indonesian banking industry owned by the government, namely the State-Owned Commercial Bank (SOE). The 4 (four) banks involved as the sample among other PT Bank Mandiri (Persero) Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, and PT Bank Tabungan Negara (Persero) Tbk. The test results showed that Non-Performing Loan (NPL) ratio does not have a significant negative effect on Return on Assets (ROA), Loan to Deposit Ratio (LDR) ratio does not have a significant positive effect on Return on Assets (ROA), Capital Adequacy Ratio (CAR) ratio does not have a significant positive effect on Return on Assets (ROA), Operating Expenses toward Operating Income (OEOI) has a significant negative effect on Return on Assets (ROA), BI Rate has a significant positive effect on Return on Assets (ROA), Return on Assets (ROA) has a significant positive effect on the return of stock price.

Capital Adequacy Ratio (CAR) is one of the indicator that used to measure thebank’s capital. The aims of this study are to investigate the effecs simultaneouslyand partially from Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR),Adverserly Classified Asset (APB), Non Performing Loan (NPL), Interest Rate Risk(IRR), Net Open Position (PDN), Operational Efficiency Ratio (BOPO), Fee BasedIncome Ratio (FBIR), Return On Asset (ROA) on CAR and which variable has thedominant effect on CAR. This study used secondary data taken from first periodquarterly of 2014 until the fourth quarterly of 2019 of government banks. This studyused sensus that consists PT Bank Mandiri Tbk, PT Bank Negara Indonesia Tbk,PT Bank Rakyat Indonesia Tbk, and PT Bank Tabungan Negara Tbk. The datawere processed by using SPSS 21. The result of this study revealed that LDR, IPR,APB, NPL, IRR, PDN, BOPO, FBIR, and ROA simultaneously have significanteffect on CAR. PDN and FBIR partially have significant effects on CAR. PDN isthe dominant variable that influences CAR.

This Study aims to determine the effect of Net Interest Margin and Non Performing Loan on Return On Asset at PT Bank Rakyat Indonesia (Persero) Tbk period 2010 until 2019. This type of research uses the associative method, with quantitative approach. Data collection techniques using secondary data in the form of a annual report. PT Bank Rakyat Indonesia (Persero) Tbk. Population was 16 years, the sampling technique used purposive sampling, and this samping used in this study 10 years from 2010 – 2019. The data analysis technique used multiple Linear regression, correlation ceofficient, determinatin ceofficient and hypotesis testing (T test and F test). The result show that the Net Interest Margin has a positive and significant effect on Return on Asset, Non Performing Loan has a negative and significant effect on Return on Asset, Net interest Margin and Non performing Loan has simultan have a effect on Return On Asset at PT Bank Rakyat Indonesia Tbk

Bank financial institutions are one of the important factors for a country's economy which functions as a collector and channeler of public funds. The bank's ability to increase overall efficiency and generate profits is a reflection of the bank's good financial performance management. This research aims to analyze financial performance management at PT Bank Rakyat Indonesia (Persero) Tbk. 2018-2022 period, by analyzing the influence of Operational Costs on Operating Income (BOPO), Non-Performing Loans (NPL) And Loans deposit Ratio (LDR) to Return On Assets (ROA). The data used in this research is the Time Series of PT quarterly report data. Bank Rakyat Indonesia (Persero) Tbk. Which recorded in data FSA period first quarter 2018- quarterly IV 2022, with data analysis techniques Which used is multiple linear regression using SPSS version 26. The results of the research show that both partial and simultaneous costs Operational Operating Income (BOPO), Non Performing Loans (NPL), Loan Deposits Ratio (LDR) has a significant effect on Return On Assets (ROA) on PT. People's Bank Indonesia (Persero) Tbk.

This study aims to determine how the influence of Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans on Banking Profitability Listed on the Indonesia Stock Exchange (IDX) that occurs at PT Bank Central Asia Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Mandiri (Persero) Tbk, PT Bank CIMB Niaga Tbk, PT Bank Negara Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) in 2014-2018.
 The data used in this study are quantitative data with secondary data sources derived from the financial statements of each bank. This research uses descriptive statistical analysis methods, inference analysis, classic assumption test, multiple linear analysis and coefficient of determination. Regression analysis is used to find out how the influence of independent variables on the dependent variable with a significance value of 5 percent. While the determination coefficient analysis is used to determine the relationship between the independent variable and the dependent variable.
 From the partial hypothesis test (T Test) that has been done by the author, it is obtained that the Loan to Deposit Ratio affects Return On Assets, Capital Adequacy Ratio has no effect on Return On Assets and Non Performing Loans has no effect on Return On Assets. For simultaneous hypothesis testing (Test F), the results obtained are that the independent variables namely Loan to Deposit Ratio, Capital Adequacy Ratio and Non Performing Loans simultaneously influence the Return on Assets.
 
 Key words : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Performing 
 Loan (NPL), Return On Asset (ROA).

This research was conducted at PT. Bank Rakyat Indonesia (Persero) Tbk. The purpose of this study was to identify and analyze non-performing loans at PT Bank Rakyat Indonesia (Persero) Tbk during the Covid 19 pandemic. This study aims to identify and analyze (1) the number of non-performing loans at PT Bank Rakyat Indonesia during the Covid 19 pandemic, (2) What policies did PT Bank Rakyat Indonesia implement in efforts to settle problem loans during the Covid 19 pandemic. The research method used is descriptive qualitative method. The type of data used is secondary data obtained from the financial statements of PT. Bank Rakyat Indonesia (Persero) Tbk in 2020-2021. The data analysis technique used is descriptive analysis technique. Based on the results of calculating the number of non-performing loans using the Non-Performing Loan ratio, the results show that PT. Bank Rakyat Indonesia (Persero) Tbk during the Covid 19 pandemic experienced an increase. The policy taken by PT Bank Rakyat Indonesia (Persero) Tbk in an effort to recover problem loans during the Covid 19 pandemic was by restructuring, especially in the UMKM segment.

The financial condition of PT Bank Negara Indonesia (BNI) in each quarter of each year, the 2010-2015 period can be quite good. It can be seen from the growth in net profit generated by the BNI in each quarter of each year is always increasing. However, in the second quarter 2015 net income generated BNI only Rp. 2.46 Trillion. The net profit decreased compared to the net profit generated in the second quarter of 2014 amounted to Rp. 4.95 Trillion. In addition, ROA of BNI in the second quarter 2015 amounted to 1.14%. BNI ROA The ROA decreased compared with the second quarter of 2014 amounted to 2.43%. In this regard, it is necessary to do research on the factors that affect the profitability of BNI. The variables of this study is the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Operating Expenses Operating Income (ROA), and Net Interest Margin (NIM). As for profitability measurement tools using the Return On Asset (ROA). Source data extracted from BNI Quarterly Financial Statements First Quarter period 2010 to the third quarter of 2015. The data used is secondary data, which is a time series data. The analysis technique used is multiple linear regression. The results showed thatCAR, NPL, LDR, ROA and NIM simultaneously have significant effect on ROA. Partially, CAR, NPL, and LDR have not significant effect on ROA. BOPO have significant negative effect on ROA and NIM have significant positive effect on ROA. The magnitude of the influence CAR, NPL, LDR, ROA and NIM to ROA amounted to 94.3%, while the rest 5.7% is explained by other variables outside the model. Keywords : Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio , Biaya Operasional Pendapatan Operasional, Net Interest Margin, Return On Asset

This research was aims to determine the effect of financial ratios on profitability at state banks in the Indonesia Stock Exchange (IDX). The research period is taken for 5 years starting from 2013 to 2017. Data collection in this research uses secondary data in the form of data collecting from the annual bank financial statement published on the Indonesia Stock Exchange and by each state-owned bank. The sample consisted of 4 state-owned banks i.e. PT Bank Negara Indonesia (Persero) Tbk, PT Bank Rakyat Indonesia (Persero) Tbk, PT Bank Tabungan Negara (Persero) and PT Bank Mandiri (Persero). The independent variables in this research is the financial ratio consisting of Net Interest Margin (NIM), Loan Deposit Ratio (LDR) and Operational Income to Operating Income (BOPO) which affect profitability, namely Return On Assets (ROA) as an independent variable, and the analysis has been done using multiple linear regression analysis. The result of this research shows that partially there is a positive and significant influence between NIM and LDR on ROA and there is a negative and significant influence between BOPO on ROA. Factors that affect on Profitability (ROA) can be explained by the independent variables of 98.2% caused by NIM, BOPO and LDR, while the remaining 1.8% is caused by other factors not included in this research such as inflation, monetary policy, exchange rate etc

This paper conducts a more in-depth study of employee performance to connect with compensation and job satisfaction and the work environment of employees in PT Bank Rakyat Indonesia (Persero) Tbk. (BRI). This research was conducted at PT Bank Rakyat Indonesia (Persero) Tbk. operating in Indonesia. The research population was all employees of the Branch Offices of PT Bank Rakyat Indonesia (Persero) Tbk. spread over in Sumatera, Jawa, Kalimantan, Sulawesi, Bali and Jayapura. The sample was collected using Proportional Random Sampling Stratified from six locations spread throughout Indonesia. Considering the wide area, the sampling technique is adjusted to the area, so sampling is based on the island as a sub-population. The sample of this study was 212 employees. This amount has met the minimum sampling requirements if using the Generalised Structural Component Analysis (GSCA) method. Compensation does not directly affect employee performance. Working environment directly influences the employee performance in PT Bank Rakyat Indonesia (Persero) Tbk. There is an influence of compensation and working environment on job satisfaction and employee performance in PT Bank Rakyat Indonesia (Persero) Tbk. The leader of PT Bank Rakyat Indonesia (Persero) Tbk. should improve employees’ performance by taking into account the improvement of compensation which includes the suitability of wages and salaries, incentives, benefits and facilities with their performance.