The Effect Of Nim, Bopo, Credit Distribution, And Credit Risk On Profitability At Bank Kaltimtara
Abstract
This study was intended to analyse how the influence of financial ratios consisting of Net Interest Margin (NIM), Operating Costs to Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) on banking profitability as measured by Return On Assets (ROA) at Bank Kaltimtara. The type of research employed was quantitative research with a causal associative approach. The population in this study was the annual financial report of Bank Kaltimtara for the period 2008–2023, with a sample of 16 data selected using Purposive sampling. The analysis method conducted in this study was multiple linear regression analysis through SPSS version 27. The results of the study indicated that based on the t-test, NIM had a positive but insignificant effect on ROA, BOPO had a negative and significant effect on ROA, LDR had a positive and insignificant effect on ROA and NPL had a negative and insignificant effect on ROA. The value of the Determination Coefficient (Adjusted R²) of 0.906, indicated that 90.6% of the variation in ROA could be explained by the variables NIM, BOPO, LDR, and NPL, while the remaining 9.4% was influenced by other factors which were not examined in this study.
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