PENGARUH CAR, NIM DAN LDR TERHADAP ROA PADA PERBANKAN BUMN KONVENSIONAL TAHUN 2019-2023

Abstract

This study examines how CAR (Capital Adequacy Ratio), NIM (Net Interest Margin), and LDR (Loan to Deposit Ratio) affect ROA (Return on Assets) in 
conventional state-owned banks in Indonesia for the period 2019-2023. The study was conducted using quantitative methods through multiple linear regression analysis. The sample consisted of four state-owned banks selected based on certain criteria (purposive sampling). Thefindings show that separately, CAR, NIM, and LDR do not have a significant impact on ROA. However, together, these three variables are proven to have a significant influence, with an F-value of 11.285 exceeding F-table 3.072. The R² value of 0.679 indicates that 67.9% of the change in ROA can be explained by these three variables. This study concludes that integrated management of CAR, NIM, and LDR is important for improving bank profitability. Banks are also advised to manage these three variables well and consider other factors outside the research.