Pengaruh Net Interest Margin, Loan To Deposit Ratio, Dan Biaya Opersional Pendapatan Operasional Terhadap Kinerja Keuangan Bank Umum Swasta Nasional Yang Terdaftar Di Bursa Efek Indonesia

Abstract

This study was conducted to empirically examine the effect of the variable Net Interest Margin (NIM), Loan To Deposit Ratio (LDR), Operational Income Operating Costs (BOPO) on the Financial Performance of National Private Commercial Banks Listed on the Indonesia Stock Exchange. This study uses 21 samples of national private commercial banks listed on the Indonesia  Stock  Exchange in  2015- 2017.  Data  analysis  was  carried  out  with  quantitative analysis in the form of classic assumption tests consisting of normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. Furthermore, this study also uses multiple regression analysis and hypotheses. During the period of observation it shows that the research data is normally distributed. Based on normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test there are no different variables from the classical hypothesis. This shows that the available data meets the requirements to use several linear regression equation models. The results of the analysis show that the NIM and LDR data are partially and simultaneously significant for ROA and BOPO not significant at the national private commercial banks listed on the Indonesia Stock Exchange for the period 2015-2017.