PENGARUH RASIO KESEHATAN BANK TERHADAP RETURN ON EQUITY PADA BANK BRI

Iis Fauziah, NIM. 2020050102052., I (2026) PENGARUH RASIO KESEHATAN BANK TERHADAP RETURN ON EQUITY PADA BANK BRI. Other thesis, IAIN KENDARI.

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Abstract

ABSTRAK

Iis Fauziah, NIM. 2020050102052. Pengaruh Rasio Kesehatan
Bank Terhadap Return on Equity Pada Bank BRI, Fakultas
Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri Kendari.
Dibimbing Oleh: Abdul Wahid Mongkito Dan Miswar Rohansyah.

Tujuan penelitian ini untuk mengetahui apakah Non performing Loan
(NPL net) berpengaruh terhadap Return on Equity (ROE) pada Bank
BRI. Apakah Non performing Loan (X1), Return On Assets (X2), Net
Interest Margin (X3), Biaya Operasional Pendapatan Operasional
(BOPO) (X4), Loan to Deposit Ratio) (X5) berpengaruh pengaruh
terhadap Return on Equity (ROE) (Y) pada Bank Umum. Populasi yang
digunakan dalam penelitian ini adalah seluruh laporan keuangan Bank
BRI tahun 2019-2023 yang diterbitkan dan sudah yang terdaftar dalam
BI dan OJK. Teknik pengambilan sempel dalam penelitian ini adalah
dengan menggunakan purposive sampling. Teknik dalam penelitian ini
analisis data kuantitatif. Hasil penelitian menunjukan pengaruh NPL
net (X1) terhadap ROE (Y), ada pengaruh signifikan antara ROA (X2)
terhadap ROE (Y), ada pengaruh signifikan antara NIM (X2) terhadap
ROE (Y), ada pengaruh signifikan antara BOPO (X4) terhadap ROE
(Y), tidak ada pengaruh signifikan antara LDR (X4) terhadap ROE (Y).
Pengaruh Non performing Loan (X1), Return on Assets (X2), Net
Interest Margin (X3), Biaya Operasional Pendapatan Operasional
(BOPO) (X4), secara simultan berpengaruh positif signifikan terhadap
variabel dependen Return on Equity (ROE) (Y). Sedangkan Loan to
Deposit Ratio (LDR) (X5) secara simultan tidak berpengaruh signifikan
terhadap variabel dependen Return on Equity (ROE) (Y).

Kata Kunci: Bank BRI, Rasio Keuangan.

ABSTRACT

Iis Fauziah, NIM. 2020050102052. The Effect of Bank Health
Ratios on Return on Equity at BRI Bank, Faculty of Economics
and Islamic Business, Kendari State Islamic Institute. Mentored
By: Abdul Wahid Mongkito and Miswar Rohansyah.

The purpose of this study was to determine whether Non performing
Loan (NPL net) affects Return on Equity (ROE) at BRI Bank. Does Non
performing Loan (X1), Return On Assets (X2), Net Interest Margin
(X3), Operating Expenses Operating Income (BOPO) (X4), Loan to
Deposit Ratio) (X5) have an influence on Return on Equity (ROE) (Y)
at Commercial Banks. The population used in this study were all
financial reports of Bank BRI in 2019-2023 which were published and
already registered with BI and OJK. The sampling technique in this
study was to use purposive sampling. The technique in this study is
quantitative data analysis. The results showed the effect of net NPL
(X1) on ROE (Y), there is a significant influence between ROA (X2) on
ROE (Y), there is a significant influence between NIM (X2) on ROE
(Y), there is a significant influence between BOPO (X4) on ROE (Y),
there is no significant influence between LDR (X4) on ROE (Y). The
effect of Non-performing Loan (X1), Return on Assets (X2), Net Interest
Margin (X3), Operating Expenses Operating Income (BOPO) (X4),
simultaneously has a significant positive effect on the dependent
variable Return on Equity (ROE) (Y). While the Loan to Deposit Ratio
(LDR) (X5) simultaneously has no significant effect on the dependent
variable Return on Equity (ROE) (Y).
Keywords: BRI Bank, Financial Ratios.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	Bank BRI, Rasio Keuangan.
Subjects:	300 Ilmu Sosial > 332 Ekonomi Keuangan > 332.21 Bank Tabungan
Divisions:	Fakultas Ekonomi dan Bisnis Islam > Prodi Perbankan Syariah
Depositing User:	Unnamed user with email [email protected]
Date Deposited:	07 May 2026 06:40
Last Modified:	07 May 2026 06:40
URI:	http://digitallib.iainkendari.ac.id/id/eprint/4458

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