MA’RIFA, IIzmi Nurul (2018) The impact of non performing loan, operating expense to operating income, capital adequacy ratio, and loan to deposit ratio on profitability (study in conventional commercial bank listed on the Indonesia Stock Exchange period 2015-2017). Skripsi thesis, Universitas Jenderal Soedirman.

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Abstract

The purpose of this study is to analyze the non-performing loans, operating costs against operating income, capital adequacy ratio, and loan to deposit ratio against profitability. The methodology used for this study is a quantitative approach. The population in this study were 36 commercial banks which were still operating from 2015 to 2017. The analysis technique used was panel data regression. The sampling technique in this study was purposive sampling technique. The software used to analyze data is Eviews statistical software. The results showed that bad credit has a negative influence on ROA and ROE; operating expenses on operating income have a negative effect on ROA and ROE; the capital adequacy ratio has no effect on ROA but the capital adequacy ratio has a negative influence on ROE; loan to deposit ratio has no effect on ROA and ROE. The implication in this study shows that the very significant and significant variables related to NPL and OEOI so that these two variables should certainly be a consideration for companies to prioritize these two ratios to be controlled better.

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