PENGARUH CAR, NPL DAN LDR TERHADAP ROA

Abstract

Economy, in this global era, develops country’s economy System as to be more open with other countries. While, with the existence of international market, there was a new problem, i.e. the difference of country's currency in having either export or import activities. Therefore, with its difference the country needs to make some money exchanges. This research aimed to find out the effect of Capital Adequacy Ratio (CAR), Non-Pertormance Loan (NPL) and Loan to Deposit Ratio (LDR) on the Return on Asset (ROA). While the population was Conventional banks which listed on Indonesia Stock Exchange (2014-2018) Moreover, the data collection technique used purposive sampling In line with there were 10 companies of conventional banks as sample Furthermore, the data ere secomdary n the fom of financia statement In addition, the data analysis technique used multiple linear regression. The research result, from proper test model, concluded the model was properly used for next research Meanwhile from hypothesis (t-test), it concluded CAR and NPL had positive and significant effect on ROA. On the other hand, LDR had negative and significant efiect on ROA.
Keywords: CAR, NPL LDR, ROA