Abstract
The purpose of this study is to determine factors Capital Adequacy Ratio, Non-Performing Loans and Operational Cost of Operating Income, Return On Assets as profitability at PT. Bank Mandiri (Persero) Tbk. with periode 2011-2020. The research method used in this study is descriptive quantitative. The population used is the financial statements of PT. Bank Mandiri (Persero) Tbk. The sample used is data that comes from the notes to the financial statements and income statements of PT. Bank Mandiri (Persero) Tbk. in the period 2011 to 2020. Based on the results of the partial test (t test) the results is Capital Adequacy Ratio and Non Performing Loan have not a significant influence on Return On Assets and Operational Cost of Operating Income has a significant influence on Return On Assets. But base on simultan (F test) shows that the Capital Adequacy Ratio, Non Performing Loan and Operational Cost of Operating Income have a significant influence on Return On Assets. In the coefficient of determination, the value of Adjusted R Square is 92.60%, Return On Assets can be explained by the Capital Adequacy Ratio, Non-Performing Loans and Operating Cost of Operating Income, which means that the relationship between variables has a strong correlation, while the remaining 7.4% can be explained by other variables.
Highlights
Banking plays an important role as a source of capital in financial intermediaries
Some of the factors that affect the performance of Bank Mandiri are Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Operational Cost of Operating Income (BOPO)
This research is important because there is a gap in previous research, such as in Amira Sutra Dewi, et al (2017), Nani Mulyani and Erick Agustinus (2021) who stated that variable capital adequacy ratio (CAR) had no significant influence on return on assets
Summary
Banking plays an important role as a source of capital in financial intermediaries. The emergence of the banking sector is expected to be able to encourage overall economic progress. Some of the factors that affect the performance of Bank Mandiri are Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Operational Cost of Operating Income (BOPO). Capital Adequacy Ratio (CAR) is a capital adequacy ratio that serves to accommodate the risk of losses that are likely faced by banks. This research is important because there is a gap in previous research, such as in Amira Sutra Dewi, et al (2017), Nani Mulyani and Erick Agustinus (2021) who stated that variable capital adequacy ratio (CAR) had no significant influence on return on assets. Not in line with the research conducted by I Gusti Ayu Dwi Ambarawati & Nyoman Abundanti (2018), Daniel Nugroho, et al (2019) which stated that the CAR ratio had a significant influence on ROA stating that the CAR ratio had a significant influence on ROA
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