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The purpose of this research is to analyze internal and external factors on the Stock Return. As for the Internal factors include: Return on Equity, Net Interest Margin, Loan Deposit Ratio, and Net Performing Loan. While external factors include: the inflation rate, Cryptocurrency, Exchange Rate, and dummy of pandemic. The population in this study is the company registered on the Indonesia Stock Exchange (IDX) in the banking sector for the 2015-2020 period. There were 16 Banks represented as a sample in this study and used a collection technique, namely purposive sampling. The type of research used descriptive quantitative and the method of analysis using E-views 10. The final results in this study indicate that internal factor such as ROE has a positive and significant effect on stock returns, NIM influential negative but not significant to stock returns, LDR has negative and significant towards stock returns, NPL has a positive but not significant to stock returns. Furthermore the external factor such as The inflation rate has negative and insignificant towards stock return, Cryptocurrency as a positive and significant on stock returns, Exchange Rate has a negative and significant on stock returns, and dummy with before and after pandemic category has positive and significant on stock return. [ABSTRACT FROM AUTHOR]

This research aims to show the effect of capital adequacy ratio (CAR), non-performing financing (NPF), and operating costs of operating income (OCOI) on return on assets (ROA) with net interest margin (NIM) as an intervening variable. This quantitative research uses secondary data in panel data with a purposive sampling technique. The sample used was five Islamic commercial banks (ICB) registered with the Financial Services Authority (FSA) from 2016 to 2020. Data analysis uses descriptive, stationary, regression, classical assumptions, and path analysis. This research shows that CAR, NPF, and OCOI partially do not affect NIM. CAR has a positive and significant effect on ROA. OCOI has a negative effect on ROA. NPF does not affect ROA. NIM has a positive and significant effect on ROA. NIM cannot mediate the effect of CAR on ROA. However, NIM can mediate the effect of NPF and OCOI on ROA. This research complements existing theories and can be used to reference ICB in improving performance.

This study aims to examine how the Capital Adequacy Ratio (CAR), Operating Expenses Operating Income (OEOI), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) affect the profitability of Return on Assets (ROA). The object of this research is that conventional commercial banks are chosen because they have a relatively rapid growth compared to Islamic commercial banks. This type of research includes causal research using quantitative methods. The population of this study is banking companies registered in the Indonesia Banking Directory and the 2018-2020 Bank Indonesia monthly publication reports. Sampling used the saturated sample method, with 36 data samples from the 2018-2020 Bank Indonesia Monthly Published Reports. Then the data were analyzed using multiple linear regression analysis with the Ordinary Least Square model using the Eviews Version 12 software. The data test results found that the Capital Adequacy Ratio (CAR) had no significant effect on profitability. Meanwhile, Operating Expenses Operating Income (OEOI), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) have a positive and significant effect on profitability.

This research aims to determine the effect of Net Interest Margin (NIM), Operation Expenses to Operations Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) toward Profitability (Case Study on the Commercial Banks that Listed in Indonesia Stock Exchange period 2014-2018). In this research the sampling technique used was purposive sampling technique and managed to obtained 13 banks. Secondary data used were obtained from financial reports published from the official website of the Otoritas Jasa Keuangan (OJK). Methods of data analysis used in this study is the analysis of multiple linear regression with a level of significance of 5%. The results showed that the variables NIM, BOPO, LDR, and NPL simultaneously have significant effect to Profitability. Based on the t-test results it can be concluded that the variables NIM and BOPO have significant effect while LDR, and NPL have not significant effect to Profitability. The results obtained by multiple linear regression analysis Adjusted R2 of 0.976, this shows that the contribution of independent variables in explaining the dependent variable is 97,6% and the remaining is explained by other variables that are not examined.

The performance of a company can be said to be good if its financial statements show an increase in profits. Of course, many aspects that affect a company in generating profitability. This study aims to understand the effect of NPL, NIM, LDR, and CAR on Profitability (ROA) in banking companies both Government Banks and Conventional Banks. This research uses quantitative methods, where data sources use secondary data. By using classical assumption test analysis techniques, F test, and t test results obtained for this study are that NPL negatively and significantly affects ROA, NIM positively and significantly affect ROA, LDR negatively and significantly affect ROA, CAR positively and significantly affect ROA. NPL, NIM, LDR, and CAR simultaneously affect ROA on government banks and conventional banks listed on the Indonesia Stock Exchange in the 2014-2017 period.

This study aims to examine the effect of financial performance, namely; Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA) and Operational Cost on Operational Income (BOPO) on stock price of state-owned Bank in Indonesia. The sample in the study is state-owned Bank registered at Indonesia Stock Exchange and still listed until 2018 namely; Bank Mandiri, Bank Negara Indonesia (BNI), Bank Tabungan Negara (BTN), and Bank Rakyat Indonesia (BRI). The collection of data is carried out by documentation technique. Technique employed in analyzing data is multiple regression analysis. The results found that (1) Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR), Return on Assets (ROA) and Operational Cost on Operational Income (BOPO) simultaneously affect stock price of state-owned Bank in Indonesia. (2) Partially, NIM, NPL, LDR, ROA, BOPO variables have an insignificant effect on stock price of state-owned Bank that already have gone public on Indonesia Stock Exchange. While CAR has a significant influence on stock price of state-owned Bank that already have gone public on Indonesia Stock Exchange. This accordingly provides an indication that stock price of a state-owned Bank in Indonesia is not predominantly determined by its financial performance, but by public's trust in state-owned Bank concerned.

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income Ratio (BOPO), Loan to Deposits Ratio (LDR), Net Interest Margin (NIM), and Non-Performing Loan Ratio (NPL) variables on ROA and Stock Return of Banks That Listed in the Indonesia Stock Exchange. The population in this research is all banks listed on the Indonesia Stock Exchange. At the same time, the samples are 30 companies. The sampling uses the purposive sampling method. Secondary data was obtained in the Indonesia Stock Exchange and Yahoo! Finance. The independent variables used are CAR, BOPO, LDR, NIM, and NPL. The data analysis technique used is multiple linear regression analysis by SmartPLS software. This research indicates that the LDR, NIM, and NPL variables have a significant effect on ROA. The CAR, BOPO, and NPL variables have a significant effect on Stock Return. The predictive ability of the independent variables (CAR, BOPO, LDR, NIM, and NPL) on ROA is 59.5%, as indicated by the value of Adjusted R Square is 59.5%, while the remaining is 40.5% influenced by other variables not included in this research. The independent variables (CAR, BOPO, NIM, and NPL) on Stock Returns have 13.3% of Adjusted R Square while the remaining is 86.7% influenced by other variables.

In 2018 the banking sector experienced a very fast expansion resulting in a decrease in the Capital Adequacy Ratio (CAR) at the level of 22.01% compared to 2017, namely 22.75%. Growth in risk-weighted assets (RWA) was the cause of the decline in the value of the Capital Adequacy Ratio (CAR) which can be influenced by aspects of financial performance, one of which is the profitability aspect of Net Interest Margin (NIM) and Return On Assets (ROA). This study aims to determine the effect of Net Interest Margin (NIM), Return On Assets (ROA) on the Capital Adequacy Ratio (CAR) in 31 private banks listed on the Indonesia Stock Exchange (IDX). The method used is multiple linear regression analysis using IBM SPSS 24. Based on the results of the study showed a significant influence between Net Interest Margin (NIM), Return On Assets (ROA) on the Capital Adequacy Ratio (CAR) together (simultaneously).

Fokus penelitian ini ditujukan untuk menganalisis pengaruh rasio keuangan terhadap perubahan laba. Sampel dalam penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia periode 2011?2015 yang berjumlah 25 perusahaan. Metode pengumpulan data yang digunakan adalah studi kepustakaan dan studi dokumentasi. Teknik analisis data menggunakan uji asumsi klasik, uji analisis regresi linier berganda, analisis koefisien korelasi, analisis koefisien determinasi dan uji hipotesis dengan menggunakan alat bantu program SPSS. Hasil penelitian menunjukkan bahwa secara parsial variabel NIM tidak berpengaruh terhadap perubahan laba. Variabel BOPO menunjukkan berpengaruh signifikan terhadap perubahan laba. Sedangkan pengujian hipotesis secara simultan NIM dan BOPO tidak terdapat pengaruh terhadap perubahan laba.

Banking industry plays a very important role in Indonesian economy. Therefore, stability of banking system is considered substantial by the government. Bank Indonesia (BI), the central bank; Indonesia Deposit Insurance Corporation (LPS) and Financial Services Authority (FSA) seeks to preserve the stability of banking system using policy of capital adequacy ratio (CAR), the maximum limit of non-performing loan (NPL) and the obligations to become member of deposit insurance. This study wants to examine whether these regulations affect the level of deposits, moral hazard risk and the net interest margin (NIM) in Indonesian commercial banks in the period 2000-2012. Using a sample of 99 commercial banks with panel data regression method, the result demonstrate implementation of deposit insurance negatively but not significantly affect level of commercial bank deposits while variable CAR and NPL is giving negative and significant effect. Implementation of deposit insurance proved increasing moral hazard risk while variable CAR and NPL have negative and significant effect on the moral hazard risk. Other findings showed implementation of deposit insurance and CAR positively but insignificant affect NIM, but negatively and significant influenced by NPL.

Abstract. This study aims to determine the magnitude of the influence of Net Interest Margin (NIM), Operational Cost / Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non Performing Loan (NPL) to Return On Assets (ROA) at State-Owned Banks (Bank BNI, Bank Mandiri, Bank BTN, and Bank BRI) for the period 2003-2015. This study uses secondary data obtained from the document in the form of an annual financial report. The design of this study using associative analysis, namely multiple regression analysis. The results show that partially, Net Interest Margin (NIM), Operational Cost / Operating Income (BOPO), and Loan to Deposit Ratio (LDR) have an effect on Return On Assets (ROA). While Non-Performing Loan (NPL) has no effect on Return On Assets (ROA). Simultaneously, the results showed that Net Interest Margin (NIM), Operational Cost / Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Non-Performing Loan (NPL) have an effect on Return On Assets (ROA). Keywords: BOPO; LDR; NIM; NPL; ROA. Abstrak. Penelitian ini bertujuan untuk mengetahui besarnya pengaruh Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) terhadap Return On Assets (ROA) pada Bank Umum Milik Negara (Bank BNI, Bank Mandiri, Bank BTN, dan Bank BRI) periode 2003-2015. Penelitian ini menggunakan data sekunder yang diperoleh melalui dokumen berupa laporan keungan tahunan. Desain penelitian ini menggunakan analisis asosiatif, yaitu analisis regresi berganda. Hasil penelitian menunjukkan bahwa secara parsial, Net Interest Margin (NIM), Biaya Operasional/Pendapatan Operasional (BOPO), dan Loan to Deposit Ratio (LDR) berpengaruh terhadap Return On Assets (ROA). Sedangkan Non Performing Loan (NPL) tidak berpengaruh terhadap Return On Assets (ROA). Secara simultan, hasil penelitian menunjukkan bahwa Net Interest Margin (NIM) , Biaya Operasional/Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR), dan Non Performing Loan (NPL) berpengaruh terhadap Return On Assets (ROA). Kata Kunci: BOPO; LDR; NIM; NPL; ROA.

This research is performed in order to test the influence of the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasi Pendapatan (BOPO), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR), toward Earning Changes. Sampling technique used is purposive sampling with criteria as General Banking in Indonesia who provide financial report and traded during period 2004 through 2007 and forwarded to Bank Indonesia. The Data is based on publicity Indonesia Banking Directory since 2004 to 2007. Obtained by amount sampel as much 102 company from 136 banking company in Indonesia 2004-2007 period. Analysis technique used is doubled regression with smallest square equation and hypothesis test use t-statistic to test coefficient of regression partial and also f-statistic to test the truth of collectively influence in level of significance 5%. Others also done a classic assumption test covering normality test, multicolinierity test, heteroscedastisity test and autocorrelation test. During research period show as data research was normally distributed. Based on multicolinierity test, heteroscedasticity test and autocorrelation test variable digressing of classic assumption has not founded, its indicate that the available data has fulfill the condition to use multi linier regression model. From the result of analyse indicate that data CAR, NIM, NPL, and BOPO in partial significant toward earning changes big bank, while only BOPO and NIM have an significant effect to Earning Changes small bank.