DETERMINAN RETURN ON ASSET PADA PERBANKAN KONVENSIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA
Abstract
Penelitian ini bertujuan untuk mendalami faktor-faktor yang mempengaruhi Return on Asset (ROA) pada bank-bank konvensional di Indonesia yang terdaftar di Bursa Efek Indonesia. Kajian ini secara khusus memfokuskan pada lima variabel utama: Equity Ratio, Deposit Ratio, Loan Ratio, Liquidity Ratio, dan Non Interest Income Ratio. Metode regresi data panel digunakan, dengan sampel yang mencakup 37 bank konvensional selama periode 2018-2022. Dari hasil analisis, ditemukan bahwa Loan Ratio dan Non Interest Income Ratio memiliki pengaruh positif dan signifikan terhadap ROA. Sebaliknya, Equity Ratio, Deposit Ratio, dan Liquidity Ratio tidak menunjukkan pengaruh yang signifikan. Temuan ini menunjukkan pentingnya manajemen Loan Ratio yang efisien dan strategi diversifikasi pendapatan non-bunga dalam meningkatkan profitabilitas bank. Hal ini menjadi panduan berharga bagi manajemen bank dalam merumuskan strategi untuk meningkatkan kinerja keuangan. Penelitian ini memberikan kontribusi penting dalam pemahaman mengenai faktor-faktor yang mempengaruhi profitabilitas bank konvensional di Indonesia. Analisis komprehensif mengenai pengaruh berbagai rasio keuangan terhadap ROA memberikan wawasan penting bagi praktisi perbankan, investor, dan pemangku kepentingan lain dalam mengevaluasi kesehatan keuangan dan potensi pertumbuhan bank. Studi ini diharapkan membuka peluang penelitian lebih lanjut dalam bidang perbankan konvensional, khususnya di konteks pasar keuangan Indonesia, dan berpotensi memberikan dampak positif pada kebijakan dan praktik perbankan di masa depan. Dengan mengeksplorasi lebih jauh faktor-faktor ini, penelitian berupaya memberikan pandangan yang lebih luas dan mendalam tentang dinamika yang memengaruhi profitabilitas bank di Indonesia, memberikan sumbangsih yang berarti bagi literatur di bidang keuangan dan perbankan.
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