Volume 06 Issue 09 September 2023
1Yosina Matanubun, 2Wiyarni Wiyarni
1,2STIE Malangkucecwara Malang, East Java, Indonesia
DOI : https://doi.org/10.47191/ijsshr/v6-i9-37Google Scholar Download Pdf
ABSTRACT
This study aims to examine the effect of CAR and LDR on ROA with NPL as a mediating variable at state-owned banks for the period 2015 to 2022. The sample for this study was 4 (four) state-owned banks, namely BRI, BNI, Mandiri and BTN. With an observation period of 8 years, the sample for this study was 32. This study used Partial Least Square with the SmartPLS 3 program. Of the 7 hypotheses, the results showed that only 2 hypotheses were accepted, namely the effect of CAR on ROA and the effect of LDR on NPL. Indirect effect, namely NPL as a mediating effect of CAR on ROA is not proven or rejected. Likewise, the indirect effect of LDR on ROA with NPL as a mediating variable is also rejected.
KEYWORDS:Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loand, Return on Assets
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