PENGARUH SUKU BUNGA, BOPO, CAR, NIM TERHADAP PROFITABILITAS BANK BUMN PERIODE 2019 – 2024

Authors

Wiwid Widya Sari Universitas Negeri Surabaya
Tony Seno Aji Universitas Negeri Surabaya

DOI:

Keywords:

Suku Bunga, BOPO, CAR, NIM, Profitabilitas, ROA, Bank BUMN

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh suku bunga, Biaya Operasional terhadap Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), dan Net Interest Margin (NIM) terhadap profitabilitas bank-bank BUMN di Indonesia pada periode 2019–2024. Penelitian menggunakan data sekunder yang diperoleh dari Bank Indonesia, World Bank, serta laporan keuangan tahunan lima bank BUMN (BRI, BNI, BTN, Bank Mandiri, dan Bank Raya Indonesia). Analisis dilakukan oleh peneliti menggunakan metode regresi data panel dengan Fixed Effect Model (FEM) yang telah terpilih berdasarkan uji Chow dan Hausman. Hasil olah penelitian menunjukkan bahwa BOPO berpengaruh negatif signifikan terhadap ROA, sementara NIM dan suku bunga berpengaruh positif signifikan terhadap ROA. Sebaliknya, CAR tidak berpengaruh signifikan terhadap ROA. Uji F menunjukkan bahwa seluruh variabel secara simultan memengaruhi profitabilitas, dengan nilai R-square sebesar 0,9986 yang berarti 99% variasi profitabilitas dapat dijelaskan oleh model. Temuan ini menegaskan pentingnya efisiensi operasional, pengelolaan suku bunga, dan optimalisasi margin dalam meningkatkan profitabilitas bank.

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