PENGARUH CAR, NPL BOPO, LDR DAN NIM TERHADAP PROFITABILITAS PADA PERBANKAN

Abstract

The industry of financing had developed within its financial performance. Besides, in 2006 Non Performing Loan had increased also. It meant, the higher the Non Performing Loan was, the lower the financing Profitability would be. This research aimed to find out the effect of Capital Adequacy Ratio, Non Performing Loan, Operational Cost and Income, Loan to Deposit Ratio, Net Interest Margin on the Profitability of go public financing which were listed on Indonesia Stock Exchange. Profitability is ratio to evaluate the company effort to get some profits. While, from the population of 43 companies, it took 17 companies as sample. Moreover, the data collection technique used purposive sampling. Furthermore, the independent variables namely CAR, NPL, Operational Cost and Income, LDR, and NIM. Besides, the dependent variable was Profitability. In addition, the data analysis technique used multiple regression. The research result concluded the Profitability did not affect on CAR, LDR, and NPL. Moreover, the profitability had affected on Operational Cost and Income, and NIM. In the words, the company needed to consider its capital adequacy, principal return, and liquidity to increase the Profitability. As consequence, the investor would like to invest their money on the financing company.
Keywords: CAR, NPL, BOPO, LDR, NIM