The Influence of Capital Adequacy Ratio (CAR), Operating Cost of Operating Income (BOPO), and Non-Performing Loan (NPL) on Return On Assets (ROA) at Rural Credit Banks in Indonesia 2020-2022

Farakhila, Aisi (2026) The Influence of Capital Adequacy Ratio (CAR), Operating Cost of Operating Income (BOPO), and Non-Performing Loan (NPL) on Return On Assets (ROA) at Rural Credit Banks in Indonesia 2020-2022. European Alliance for Innovation ICBEESS.

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Abstract

A bank that does not offer payment services is known as a Rural Credit Bank (BPR). Its operations are conducted according to sharia law and in a traditional manner. The purpose of this study is to ascertain how Rural Credit Bank's Return on Assets is impacted by the Capital Adequacy Ratio, Operating Costs, and Operating Income. With a sample size of 84, the population used in this study consisted of 28 businesses that satisfied the requirements. This study's financial data came from the ibpr-s.ojk.go.id website. IBM SPSS Statistics 26 is the program used for data processing. According to the study's findings, rural credit banks' return on assets in 2020–2022 is not significantly impacted by the capital adequacy ratio. In 2020–2022, Rural Credit Banks' Return on Asset is significantly impacted by Operating Costs and Operating Income. Additionally, in 2020–2022, Rural Credit Banks' return on assets is not significantly impacted by non-performing loans

Item Type:	Article
Uncontrolled Keywords:	Capital Adequacy Ratio (CAR), Operating Costs Operating Income (BOPO), Non Performing Loans (NPL), Return On Assets (ROA).
Subjects:	Economic And Business Economic And Business > Management
Divisions:	Faculty of Economic and Business > Management Study Program
Depositing User:	Aisi Farakhila
Date Deposited:	02 Jun 2026 12:07
Last Modified:	02 Jun 2026 12:07
URI:	http://eprints.umg.ac.id/id/eprint/16555

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