The Effect of LDR, Bopo, NPL, and NIM on Roa at Bank Perekonomian Rakyat Bank Kota Bogor for the Period 2016–2024

Authors

  • Anjas Asmara Universitas Ekuitas Indonesia
  • Cecep Taufiqurrochman Universitas Ekuitas Indonesia

DOI:

https://doi.org/10.59141/jrssem.v5i8.1405

Keywords:

LDR, BOPO, NPL, NIM, ROA, People's Economic Bank

Abstract

Background: This study aims to analyze the influence of financial ratios on the profitability of Bank Perekonomian Rakyat (BPR) Bank Kota Bogor during the period 2016–2024. Profitability, measured using Return on Assets (ROA), is influenced by the Loan to Deposit Ratio (LDR), Operational Costs to Operating Income Ratio (BOPO), Non-Performing Loans (NPL), and Net Interest Margin (NIM). Objective: This study aims to examine and analyze the effect of LDR, BOPO, NPL, and NIM on the ROA of BPR Bank Kota Bogor, both simultaneously and partially. Methods: This research uses a quantitative approach with multiple linear regression analysis. The data used is secondary data from the annual financial statements of BPR Bank Kota Bogor from 2016 to 2024. Results: The results show that, simultaneously, LDR, BOPO, NPL, and NIM significantly affect ROA. Partially, NPL and BOPO negatively affect ROA, while LDR and NIM positively affect ROA. Conclusion: This study contributes to understanding the factors influencing BPR profitability and provides practical recommendations for the management of BPR Bank Kota Bogor to improve financial performance in the future.

Downloads

Published

2026-03-31

How to Cite

Asmara, A., & Taufiqurrochman, C. (2026). The Effect of LDR, Bopo, NPL, and NIM on Roa at Bank Perekonomian Rakyat Bank Kota Bogor for the Period 2016–2024. Journal Research of Social Science, Economics, and Management, 5(8), 11152–11166. https://doi.org/10.59141/jrssem.v5i8.1405

Issue

Vol. 5 No. 8 (2026): Journal Research of Social Science, Economics, and Management

Section

Articles

License

Copyright (c) 2026 Anjas Asmara, Cecep Taufiqurrochman

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International. that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.