Analisis Pengaruh Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Non Performing Loan (NPL), Biaya Operasional/Pendapatan Operasional (BOPO) terhadap Return On Asset (ROA) Bank Umum Go Public yang Listed di Bursa Efek Indonesia Periode 2008-2012

Abstract

This study aimed to analyze the influence of the financial performance of the bank as measured by CAR ratio, LDR, NIM, NPL, and ROA for bank profitability as measured by ROA at commercial banks went public on the Stock Exchange 2008-2012 period. The data used in this study is secondary data in the form of a joint pooling of data or time series data (2008-2012) and cross section (18 banks) were obtained from commercial banks in the financial statements which have been audited BEI from 2008-2012. The data analysis technique used is quantitative descriptive analysis. Hypothesis testing is done by using the F-test and t-test with 5% significance level α. To process and analyze the data, researchers used a statistical program Eviews. F-test results showed that the bank's financial performance as measured by CAR, LDR, NIM, NPL, and ROA are jointly significant effect on the probability as measured by ROA at commercial banks in IDX. T-test results indicate that CAR is not significant and negative effect on ROA, LDR and no significant negative effect on ROA, NIM positive and significant impact on ROA, NPL and no significant negative effect on ROA, and ROA significantly and negatively related to ROA. Adjusted R Square value in this study was 0.658 explains that the dependent variable ROA 65.8% can be explained by the independent variables consisting of CAR, LDR, NIM, NPL, and ROA. While the remaining 31.55% is explained by other factors not examined in this study .