Analisis Faktor-Faktor Yang Mempengaruhi Kinerja Keuangan Bank BUMN di Indonesia Periode 2010-2019

ABSTRACT
This study aims to examine the factors that affect the financial
performance of state-owned banks in Indonesia in the 2010-2019 period. These
factors are the Capital Adequacy Ratio (CAR), Non Performing Loans (NPL),
Operating Costs Operating Income (BOPO), Loan to Deposit Ratio (LDR), Net
Interest Margin (NIM), and using Return On Assets (ROA). as a proxy for
financial performance. The data used in this study were obtained from the
Banking Financial Statements available at the Financial Services Authority. The
population used in this study were 4 companies. Sample selection using saturated
sampling technique, namely using the entire population as a sample. Data
collection techniques using literature study and documentation. The data analysis
technique used is descriptive statistical analysis and multiple linear regression
analysis.
The results showed that the variables CAR and BOPO had a significant
negative effect on ROA, NIM had a significant positive effect on ROA, while NPL
and LDR had no significant effect on ROA. The coefficient of determination,
which shows the influence of CAR, NPL, BOPO, LDR, NIM on ROA, is 98%,
while the remaining 2% is explained by other factors outside the research model.
Keywords: Return On Assets (ROA), Capital Adequacy Ratio (CAR),
Non Performing Loans (NPL), Operational Income Operational Costs (BOPO),
Loan to Deposit Ratio (LDR), Net Interest Margin (NIM)