PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PENDAPATAN OPERASIONAL DAN NON PERFORMING LOAN TERHADAP RETURN ON ASSETS PADA PT BANK RAKYAT INDONESIA TBK PERIODE 2013-2023

Abstract

This research aims to determine the influence of the variables Capital Adequacy Ratio, Operational Costs, Operational Income and Non-Performing Loans on Return on Assets at PT Bank Rakyat Indonesia Tbk for the 2013-2023 period. The methodology of this research is to use descriptive quantitative research, the data used is data secondary obtained from the official website https://bri.co.id. Based on the results of the partial test (t test) the Capital Adequacy Ratio has no effect but is significant on Return On Assets at PT Bank Rakyat Indonesia Tbk for the 2013 - 2023 period with a significant value of 0.556 > 0.05 and tcount < ttable or (0.618 < 1.89458). Based on the results of the partial test (t test) Operational Costs Operational Income has a negative but not significant effect on Return on Assets with a significant value of 0.015 < 0.05 and tcount > ttable or (│-3.213│ > 1.89458). Based on the results of the partial test (t test) Non Performing Loans have no effect but are not significant on Return on Assets with a significant value of 0.0151 > 0.05 and tcount < ttable or (-1.613 < 1.89458). The results of the simultaneous test (f test) of Capital Adequacy Ratio, Operational Costs, Operational Income and Non-Performing Loans have an influence but are not significant on the dependent variable Return on Assets with a significant value of 0.009 < 0.05 and Fcount > Ftable (8,945 > 4.35).