PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) PADA BANK BUMN YANG GO PUBLIC DI BURSA EFEK INDONESIA PERIODE 2008-2012

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PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) PADA BANK BUMN YANG GO PUBLIC DI BURSA EFEK INDONESIA PERIODE 2008-2012

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Title: PENGARUH NON PERFORMING LOAN (NPL) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA) PADA BANK BUMN YANG GO PUBLIC DI BURSA EFEK INDONESIA PERIODE 2008-2012
Author: Rahmawati, Siti
Abstract: This study aims to examine the relation of Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) to Return On Assets (ROA). ROA shows a comparison between the profit before tax to total assets (total assets). So, important for the banks to will be analyzed the factors to determined ROA targeted match with condition of banking and state of economy. The method used in this research is descriptive and verifikative. Population in this research used BUMN banks during period 2008 through 2012. Purposive sampling method were used as samples determining method and 3 bank selected as the sample of the research. Data analysis with multilinear regression of ordinary least square and hypotheses test used t-statistic and F-statistic at level significance 5% performed classical assumption first. Based on normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test classic assumption deviation has not founded, this indicate that the available data has fulfill the codition to use multilinear regression model. Empirical evidence show as Non Performing Loans (NPL) variable show negative towards on ROA, and Loan to Deposit Ratio (LDR) variable show positive influence towards on ROA of BUMN Banks period 2008-2012. R2 value in this research is 0,664, this mean that 66,4% of ROA variable could be explained by independent variables NPL and LDR. And 33,6% is affected to other factor which was not to be entered research model.
URI: http://repository.widyatama.ac.id/xmlui/handle/123456789/3156
Date: 2013


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