PENGARUH CAR, LDR, BOPO TERHADAP ROAA PADA BANK SWASTA YANG TERDAFTAR BEI

Abstract

Some provisions which have been issued by the government give a very influential impact in the world of banking. One of the impacts is the development of bank ability to increase its profitability (ROAA). The financial ratio which is used to find out the existence of ROAA is capital adequacy ratio (CAR), loan to deposit ratio (LDR), and the operating expenses to the operational revenue (BOPO).This research is meant to find out the influence of CAR, LDR and BOPO ratio either simultaneously, partially or dominant to the ROAA on the go public private banking companies which are listed in Indonesia Stock Exchange. The population is the financial statement of the go public banking financial statement. The samples are 5 national private banks which are listed in IDX from 2009 to 2013.The result of the research shows that simultaneously CAR, LDR, and BOPO variables have influence to the ROAA at the banking companies which are listed in Indonesia Stock Exchange. The result of the output has significance on 0.001 levels. Therefore, simultaneously the influence of CAR, LDR, and BOPO has significant influence to ROAA. Meanwhile, partially the LDR and BOPO variables do not have any influence to the ROAA. The variable which has the most dominant influence is CAR since its determination coefficient is 87.98%
Keywords: Return on Average Assets (ROAA), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and the Operating Expenses to the Operational Revenue.