Authors :
Muhammad Erfin Nur Fikri; Andam Dewi
Volume/Issue :
Volume 6 - 2021, Issue 11 - November
Google Scholar :
http://bitly.ws/gu88
Scribd :
https://bit.ly/3FO74IU
Abstract :
This study test and analyze the fundamental
factor to Return of Asset (ROA) with Net Interest Margin
(NIM) as moderating variable in Book III banks registered
in Financial Services Authority (Otoritas Jasa Keuangan
(OJK)). The sampling method used was purposive
sampling. Of the 110 plantation firms, 24 companies meet
the needs of a sample. The method used in this research is
multiple linear regression technique and moderate
regression technique. The results showed that the Capital
Adequacy Ratio (CAR) is significant and has apositive
impact on the Net Interest Margin (NIM) and Return Of
Assets (ROA). Loan to Deposit Ratio (LDR) and Operating
Cost Operating Income (BOPO) is significant and has a
negatifimpact on the Net Interest Margin (NIM) and
Return Of Assets (ROA). Non-Performing Loans (NPL) is
no significant impact on the Net Interest Margin (NIM) of
shares and Return Of Assets (ROA). Net Interest Margin
(NIM) is capable of moderating the effect of Capital
Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR),
Operating Cost Operating Income (BOPO), and NonPerforming Loan(NPL) with Capital AdequacyRatio
(CAR).
Keywords :
Return On Asset (ROA), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Cost Operating Income(BOPO), And NonPerformingiLoan (NPL).
This study test and analyze the fundamental
factor to Return of Asset (ROA) with Net Interest Margin
(NIM) as moderating variable in Book III banks registered
in Financial Services Authority (Otoritas Jasa Keuangan
(OJK)). The sampling method used was purposive
sampling. Of the 110 plantation firms, 24 companies meet
the needs of a sample. The method used in this research is
multiple linear regression technique and moderate
regression technique. The results showed that the Capital
Adequacy Ratio (CAR) is significant and has apositive
impact on the Net Interest Margin (NIM) and Return Of
Assets (ROA). Loan to Deposit Ratio (LDR) and Operating
Cost Operating Income (BOPO) is significant and has a
negatifimpact on the Net Interest Margin (NIM) and
Return Of Assets (ROA). Non-Performing Loans (NPL) is
no significant impact on the Net Interest Margin (NIM) of
shares and Return Of Assets (ROA). Net Interest Margin
(NIM) is capable of moderating the effect of Capital
Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR),
Operating Cost Operating Income (BOPO), and NonPerforming Loan(NPL) with Capital AdequacyRatio
(CAR).
Keywords :
Return On Asset (ROA), Net Interest Margin (NIM), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Operating Cost Operating Income(BOPO), And NonPerformingiLoan (NPL).
