PENGARUH BIAYA OPERASIONAL/PENDAPATAN OPERASIONAL, NON PERFORMING LOAN, DAN CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS

Abstract

This researchis meant to analyze how the influence of Operating Cost Operating Income (OCOI), Non
Performing Loan and Capital Adequacy Ratio to the profitability. Populations isall banking companies which are
listed in Indonesia Stock Exchange in 2011
-2015 periods, which have been selected by using purposive sampling
and based on the predetermined criteria, the numbers of samples are 21 conventional banks 105 companies which
have met the criteria. The analysis method has been carried out by using multiple regressions analysis,
hypothesis test that is the determinant coefficient, the model feasibility test, and t test. Based on the result of
multiple regression analysis and t test with its significance level of 5%, then the result of the research indicates
that the model feasibility test of Operating Cost Operating Income (OCOI), NonPerforming Loans and Capital
Adequacy Ratio give significant influence to the profitability. Partially, the Operating Cost Operating Income
(OCOI) and Non Performing Loans give significant influence to the profitability whereas Capital Adequacy
Ratio does not give significant influence to the profitability.

Keywords: OCOI, NPLCAR, and Profitability.