PENGARUH CAR, BOPO, NIM DAN LDR TERHADAP ROA

Abstract

The purpose of banking business is to gain profit and bank capability level in earning profit and one of the ways is measured by using ROA. This research is meant to test the influence of CAR, BOPO, NIM and LDR to the ROA. The population of this research is Foreign Exchange National Private Commercial Banks in 2009-2013 periods which are listed in IDX. By using purposive sampling method, it has obtained 17 banks as samples. Bassed on the normality test, multicolonearity test, heteroscedastoicity test and autocorrelation test, it has been found that there is no deviation from the classic assumption test. This finding shows that the existing data is feasible and has met the criteria to use in the multiple linear regressions equation model. The result of the analysis shows that CAR and LDR has positive but insignificant influence to the ROA, BOPO has negative and significant influence to the ROA, and NIM has positive and significant influence to the ROA. The capability of prediction from these four independent variables to the ROA is 46,5%, it is shown from the magnitude of Adjusted R2, the remaining is 53,5% is explained by other variables outside this research.
Keywords : Capital Adequacy Ratio (CAR), Biaya Operasional per Pendapatan Operasional (BOPO), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Return On Asset (ROA).