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Implikasi Return On Assets (Roa) Perbankan Indonesia

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  • Effendi, Maya Syafriana

Abstract

Kajian ini merupakan suatu pendekatan baru dengan mengkaitkan risk based bank rating yang memengaruhi penyaluran kredit dan implikasinya terhadap Return on Asset. Return on Assets (ROA) adalah indikator yang akan menunjukkan bahwa apabila rasio ini meningkat maka aktiva bank telah digunakan dengan optimal untuk memperoleh pendapatan. Return on Assets (ROA) melihat sejauh mana investasi yang telah ditanamkan mampu memberikan pengembalian keuntungan sesuai dengan yang diharapkan. Semakin besar ROA yang dimiliki, semakin efisien penggunaan aktiva sehingga akan memperbesar laba. Semakin besar Return on Assets (ROA) suatu bank semakin besar pula tingkat keuntungan yang dicapai bank tersebut dengan laba yang besar maka suatu bank dapat menyalurkan kredit lebih banyak.

Suggested Citation

  • Effendi, Maya Syafriana, 2021. "Implikasi Return On Assets (Roa) Perbankan Indonesia," Thesis Commons jtz9u, Center for Open Science.
    • Handle: RePEc:osf:thesis:jtz9u
    DOI: 10.31219/osf.io/jtz9u
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