PENGARUH CAR, NPL, BOPO, DAN LDR TERHADAP ROA PADA BUSN DEVISA

Abstract

Developments in the banking world very rapidly have a high level complexity and the effect on the
performance of a bank. This research is meant to test the influence of CAR, NPL, BOPO, and LDR to
the return on asset (ROA) which is listed at Indonesia Stock Exchange. The population is 20 foreign
exchange national private commercial banks. The data is the secondary data which has been obtained
from the banking annual financial statements which have been published at indonesia stock exchange
in 2010-2015 periods. The sample collection technique has been carried out by using purposive
sampling with 3 criteria and the samples are 5 banks. The analysis method has been done by using
multiple linear regressions analysis. The hypothesis test which has been done by using t test shows
that CAR variable has negative and insignificant influence to the ROA, and NPL has negative and
significant influence to the ROA, and BOPO has negative and significant influence to the ROA, and
LDR has negative and significant influence to the ROA. NPL shows its dominant influence upon all
independent variable i.e.
CAR, BOPO, and LDR.

Keywords: CAR, NPL, BOPO, LDR, ROA