Analisis Pengaruh Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR), Net Interest Margin (NIM), Non Performing Loan (NPL) Terhadap Return On Asset (ROA)

Abstract

This study aims to analyze the effect of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM) and Non Performing Loan (NPL) to Return on Assets (ROA) both simultaneously and partially. Profitability is often used to measure management effectiveness based on returns on loans and investments. In creating and maintaining a sound banking condition, it is necessary for banking institutions that always receive effective guidance and supervision. The population in this study are commercial banks listed (listed) in BEI from 2011 to 2015, which is as many as 42 banks. Sampling technique through purposive sampling method. The data used in this research is secondary data. While for the research data is pooling data is a combination of time series (time series) and cross section during the period 2011 to 2015. The data in this study was conducted with a quantitative descriptive analysis where the analysis tool used is panel data regression analysis is processed with Eviews 7 program. Based on the results of research that has been tested, it can be concluded that the variables CAR, LDR, NIM and NPL simultaneously significantly influence the variable ROA commercial banks go puclic listed in Indonesia Stock Exchange period 2011-2015. While partially obtained the result of CAR variable has a negative and insignificant effect on ROA of public bank go public listed in BEI period 2011-2015. This shows that the CAR variable has a probability value of 0.1633, the LDR variable has a probability value of 0.0242, the NIM variable has a probability value of 0.1028 and the NPL variable has a probability value of 0.0002. So it can be concluded that the variables that most affect the profitability (ROA) of public banks go public listed on the IDX period 2011-2015 in sequence are NPL, LDR, NIM and CAR. Thus the increase in NPL ratio is the most effective and efficient that can be done to improve bank profitability (ROA) and maintain the existence of public business go public listed on the BEI.