LESTARI, VELLA (2025) ANALISIS DETERMINAN RETURN ON ASSETS DENGAN FINANCING TO DEPOSIT RATIO SEBAGAI VARIABEL INTERVENING PADA BPRS DI PROVINSI BANTEN PERIODE 2019-2023. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
One of the main objectives of establishing a bank is to achieve maximum profit. This profit gain is an indicator of management's success in managing the company. The level of profitability can be measured using Return on Assets. This study attempts to analyze the effect of Capital Adequacy Ratio (CAR), Operational Efficiency Ratio (OER), and Non Performing Financing (NPF) on Return on Assets with Financing to Deposit Ratio (FDR) as an intervening variable at the Islamic People's Economic Bank (BPRS) in Banten Province in 2019–2023. This study uses a quantitative approach. The population in this study were all Islamic People's Economic Banks (BPRS) of Banten Province registered with the Financial Services Authority (OJK) for the period 2019–2023. This study uses a saturated sampling method with a total of 8 BPRS. The panel data analysis of this study uses Microsoft Office Excel and Eviews 12. The results of this study indicate that Capital Adequacy Ratio (CAR) has a positive and significant effect on Return on Assets. Operational Efficiency Ratio (OER), Non Performing Financing (NPF), and Financing to Deposit Ratio (FDR) have a negative and significant effect on Return on Assets. Capital Adequacy Ratio (CAR) and Non Performing Financing (NPF) do not have a significant effect on Financing to Deposit Ratio (FDR). Operational Efficiency Ratio (OER) has a significant negative effect on Financing to Deposit Ratio (FDR). Financing to Deposit Ratio (FDR) is unable to mediate the effect of Capital Adequacy Ratio (CAR), Operational Efficiency Ratio (OER), and Non Performing Financing (NPF) on Return on Assets. The implication of this study is the importance of improving Return on Assets by maintaining capital adequacy levels, as well as identifying and reducing unnecessary fixed costs, tightening the credit assessment process, improving liquidity management, and diversifying funding sources.
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Salah satu tujuan utama didirikannya perbankan adalah meraih profit yang maksimal. Perolehan laba ini menjadi indikator keberhasilan manajemen dalam mengelola perusahaan. Tingkat profitabilitas dapat diukur dengan menggunakan Return on Assets. Penelitian ini berupaya untuk menganalisa pengaruh Capital Adequacy Ratio (CAR), Operational Efficiency Ratio (OER), dan Non Performing Financing (NPF) terhadap Return on Assets dengan Financing to Deposit Ratio (FDR) sebagai variabel intervening pada Bank Perekonomian Rakyat Syariah (BPRS) di Provinsi Banten tahun 2019–2023. Penelitian ini menggunakan pendekatan kuantitatif. Populasi dalam penelitian ini adalah seluruh Bank Perekonomian Rakyat Syariah (BPRS) Provinsi Banten yang terdaftar di Otoritas Jasa Keuangan (OJK) periode 2019–2023. Penelitian ini menggunakan metode sampling jenuh dengan jumlah 8 BPRS. Analisis data panel penelitian ini menggunakan Microsoft Office Excel dan Eviews 12. Hasil penelitian ini menunjukkan bahwa Capital Adequacy Ratio (CAR) berpengaruh positif dan signifikan terhadap Return on Assets. Operational Efficiency Ratio (OER), Non Performing Financing (NPF), dan Financing to Deposit Ratio (FDR) berpengaruh negatif dan signifikan terhadap Return on Assets. Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF) tidak berpengaruh signifikan terhadap Financing to Deposit Ratio (FDR). Operational Efficiency Ratio (OER) berpengaruh negatif signifikan terhadap Financing to Deposit Ratio (FDR). Financing to Deposit Ratio (FDR) tidak mampu memediasi pengaruh Capital Adequacy Ratio (CAR), Operational Efficiency Ratio (OER), dan Non Performing Financing (NPF) terhadap Return on Assets. Implikasi dari penelitian ini adalah pentingnya peningkatan Return on Assets dengan mempertahankan tingkat kecukupan modal, serta melakukan identifikasi dan mengurangi biaya tetap yang tidak perlu, memperketat proses penilaian kredit, meningkatkan pengelolaan likuiditas, dan diversifikasi sumber pendanaan. | |||||||||
| Uncontrolled Keywords: | Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, Operational Efficiency Ratio, Return on Assets. Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operational Efficiency Ratio (OER), Return on Assets (ROA). | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HG Finance |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > Program Sarjana Ekonomi Syariah |
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| Depositing User: | Mrs Vella Lestari | |||||||||
| Date Deposited: | 11 Aug 2025 06:50 | |||||||||
| Last Modified: | 11 Aug 2025 06:50 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/51705 |
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