“ PENGARUH RASIO CAR, NPL, BOPO, LDR, DAN NIM TERHADAP PROFITABILITAS PERBANKAN “ (Studi pada Bank Umum di Indonesia yang terdaftar di Bursa Efek Indonesia periode 2007-2012)”

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“ PENGARUH RASIO CAR, NPL, BOPO, LDR, DAN NIM TERHADAP PROFITABILITAS PERBANKAN “ (Studi pada Bank Umum di Indonesia yang terdaftar di Bursa Efek Indonesia periode 2007-2012)”

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Title: “ PENGARUH RASIO CAR, NPL, BOPO, LDR, DAN NIM TERHADAP PROFITABILITAS PERBANKAN “ (Studi pada Bank Umum di Indonesia yang terdaftar di Bursa Efek Indonesia periode 2007-2012)”
Author: Diva, Alda Layala
Abstract: This research has purpose to prove the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Expenses/Operating Income (BOPO), Loan to Deposit Ratio (LDR) and Net Interest Margin (NIM) to bank profitability which measured by Return On Asset (ROA) basis and which the most dominant variables that affect to Return On Asset (ROA). Research methodology using Descriptif asosiatif method. The object of this research is the conventional banks listed on Indonesia Stock Exchange in the period 2007-2012. Determination of the sampling technique is purposive sampling with conventional bank criteria listed in Indonesia Stock Exchange serving the financial statements of the period 2007-2012. Sample obtained 10 conventional banks in Indonesia. From the F test result is obtained that F value is 58.574 with a significant level between 0.00 < 0.05, which indicates that the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Operating Expenses/Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) simultaneously affect significantly to Return on Assets (ROA). According to the t test result, it can conclude that Non Performing Loan (NPL), Operating Expenses/Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) partially have effect to Return On Asset (ROA), whereas Capital Adequacy Ratio (CAR) partially doesn’t have effect to Return On Asset (ROA). Keywords : CAR, NPL, BOPO, LDR, NIM, ROA
URI: http://repository.widyatama.ac.id/xmlui/handle/123456789/2751
Date: 2013


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