PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO DAN NON PERFORMING LOAN TERHADAP PROFITABILITAS

Abstract

This research was conducted with the aims to empirically test influence of capital adequacy ratio (CAR), loan to deposit ratio (LDR), non performing loan (NPL) to profitability (ROA) through financial statements that have been prepared by banking companies which is listed in the stock exchange Indonesia quarterly period of 2009 to 2016. In this research conducted at PT. Bank Negara Indonesia Tbk. The type of data that been used is quarterly data types from 2009 to 2016. Hypothesis testing is done by using multiple regression analysis, but before testing the hypothesis first used the classical assumption test. The result of t test show that CAR has regression coefficient equal to 1,166 and significance value equal to 0,253 so CAR not influence to ROA. LDR has a regression coefficient of -3,385 and a significance value of 0,002 so that the LDR influenced the ROA. NPL has a regression coefficient of -1,176 and a significance value of 0,249 so that the NPL does not influenced the ROA. F test result shows that the variable CAR, LDR, NPL simultaneously influenced the ROA is indicated by the significance value less than 0,05 that is equal to 0,015.
Keywords: capital adequacy ratio, loan to deposit ratio, non performing loan and return on assets.