Analisis Pengaruh Biaya Operasi Terhadap Pendapatan Operasi ( BOPO ), Loan To deposit Ratio ( LDR ), Capital Adequacy Ratio ( CAR ) Terhadap Return On Asset ( ROA ) Bank Umum Di Indonesia ( Studi Pada Bank BPD, Periode 2005 – 2014)

Gigih Kartianda B51110065

Abstract


This research was conducted to examine the effect of variable Operating Expenses To Operating Income (BOPO), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR), of Profitability (ROA). This research used scoundary data period 2005:1 – 2014:12.  Data source from Indonesian Banking Statistics, published by Financial Services Authority. The analysis technique used is the multiple linier regression analysis and hypothesis test with a level of significance of 5%.

The results of the research partially  states that the variable BOPO have a significant and correlation positive effect on profitability (ROA) of banks.  And variable LDR and CAR did not have a significant and LDR negative correlation on ROA; CAR positive correlation on ROA. The results of the research simultaneously  states that the BOPO, LDR, and CAR  jointly affect the profitability (ROA) of banks. While the results show that the correlation coefficient between profitability (ROA) of banks with BOPO, LDR, CAR (independent variables) of 12,3%.

Keywords: Profitability (ROA) and  financial ratio BOPO, LDR, CAR


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