ANALISA FAKTOR – FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN PERBANKAN NASIONAL YANG TERDAFTAR DI BURSA EFEK INDONESIA

Abstract

This research aimed to examine and find out the effect of financial performance which was measured by Capital Adequacy Ratio (CAR), Operational Costs on Operating Income (BOPO), Non Performing Loans (NPL), and Loan to Deposit Ratio (LDR) on Return On Assets (ROA). ). Moreover, the research sample was national finance companies which were listed on Indonesia Stock Exchange during 2016-2019. Furthemore,the data collection technique used purposive sampling. In line with, there were 24 companies as the sample. Additionally, the observation period was 4 years. In total, there were 96 firm years. In addition, the data analysis technique used multiple regression, classical assumption, proper model, and hypothesis tests with SPSS (Statistical Product and Service Solutions). While, based on proper model test which used F-test and detemination coefficient (R2), it showed that there was no violation on the classical assumption test. Meanwhile, from hypothesis test, it concluded as follow: 1) CAR had a positive and insignificant effect on financial performance; 2) BOPO had a negative effect and significant effect on financial performance; 3) NPL had a positive and significant effect on financial performance; and 4) LDR had a negative and insignificant effect on ROA financial performance.
Keywords: CAR, BOPO, NPL, LDR, ROA