PENGARUH NPL, LDR, CAR TERHADAP PROFITABILITAS BANK UMUM SWASTA NASIONAL DEVISA

Abstract

The purpose of this research is to find out the influence of the Non-Performing Loans (NPLs), Capital Adequacy Ratio (CAR), and Loan to Deposit Ratio (LDR) variables to the profitability of the National Private Commercial Bank (BUSN) of foreign exchange which is proxy by the Return on Assets (ROA) in 2008-2013 periods. The sample collection technique has been done by using purposive sampling method with the criteria of National Private Commercial Banks (BUSN) of foreign exchange which have gone public and these banks are listed in Indonesia Stock Exchange (IDX) in 2008-2013 periods, they present their financial statement and the ratio completely which in accord with the variables which will be studied and these banks have the largest assets in Indonesia (>50 billion). Meanwhile, the data collection technique has been done by using documentation method and the type of data is secondary data which is the annual financial statement of National Private Commercial Banks (BUSN) of foreign exchange in 2008-2013 periods. The data analysis technique has been done by using multiple linear regressions analysis and descriptive analysis. The result of the research shows that the Non-Performing Loan variable (NPL) has influence to the profitability which is proxy by Return on Assets (ROA) of the National Private Commercial Banks of foreign exchange which are listed in IDX with assets more than 50 billion. Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) do not have any influence to the profitability which is proxy by Return on Assets of National Private Commercial Banks of foreign exchange which are listed in IDX with assets more than 50 billion.
Keywords: Bank, Profitability, Non-Performing Credit, Liquidity, and Bank Capital