Pengaruh Risiko Kredit, Efisiensi Operasional Dan Kecukupan Modal Terhadap Kinerja Bank Yang Terdaftar Di BEI

This study aims to examine the effect of the variable Non Performing Loan (NPL), Operational Efficiency (BOPO), and Capital Adequacy Ratio (CAR) on Return On Assets (ROA). Sampling method is non probability sampling with purposive sampling technique. The samples used are banks that are listed on the IDX and published their financial reports in 2018-2019. The method used is multiple regression analysis. Hypothesis testing uses the t statistical test to test the partial regression coefficient and the f statistical test to test the effect simultaneously andThe coefficient of determination (R2) is used to measure the extent to which the model is able to explain variations in the dependent variable R2. In addition, the autocorrelation test, multicollinearity test, heteroscedasticity test and normality test were also carried out. The result of the T test shows that the value of the NPL coefficient is positive, namely 0.424, the value of t = 2.205. The significance value of 0.035 is smaller than 0.05, so the NPL value has a positive and significant effect on the performance of conventional banks with a proxy for return on assets (ROA). BOPO has a coefficient value with a negative direction of-, 0.069the value of t = -4,289. The significance value of 0.000 is smaller than 0.05, so the BOPOOperational Costs on Operational Acceleration (BOPO) have a significant effect on bank performance (ROA). CAR has a coefficient value in a negative direction of -0.057t value = -1.159. The significant value of 0.256 is greater than 0.05, so that the Capital Adequacy Ratio (CAR) does not have a significant effect on bank performance (ROA). The f test results showThe findings simultaneously show the value of F count 7,744 and sig. 0.001 means that the value of F count> F table 2.84 and sig. 0.001 <0.05, so Ho is rejected, meaning that the Non Performance Loan (NPL) model, Operational Costs to Operational Income (BOPO), and Capital Adequacy Ratio (CAR) have a significant effect on bank performance (ROA)