Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) Dan Loan Deposit Ratio (LDR) Terhadap Return On Asset (ROA) (Studi Kasus Pada Bank Umum Yang Terdaftar Di Bursa Efek Indonesia Periode 2012-2015)
Bibliographic record
Abstract
Penelitian ini meneliti secara empiris pengaruh beberapa faktor terhadap Return on Asset (ROA) pada Bank Umum yang terdaftar pada Bursa Efek Indonesia periode 2012-2015. Tujuan penelitian adalah mengukur : 1) pengaruh CAR terhadap ROA, 2) pengaruh NPL terhadap ROA, 3) pengaruh LDR terhadap ROA. Penelitian ini bersifat kuantitatif dengan mengambil pendekatan asosiatif kausal. Sampel 20 Bank diperoleh dengan metode purposive sampling. Data diuji dengan metode uji asumsi klasik, dan hipotesis diuji dengan analisa regresi berganda. Hasil perhitungan, pengujian, dan pembahasan membuktikan bahwa Capital Adequacy Ratio (CAR) berpengaruh positif terhadap Return on Asset (ROA), sedangkan Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) berpengaruh negatif terhadap Return on Asset (ROA). Kata Kunci: Return on Asset, Capital Adequacy Ratio, Non-Performing Loan, Loan to Deposit Ratio, uji asumsi klasik, analisa regresi berganda.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.000 | 0.001 |
| Science and technology studies | 0.003 | 0.001 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.001 | 0.001 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".