ANALISIS PENGARUH CAR, NPL, BOPO DAN LDR TERHADAP ROA PADA BANK DEVISA DI INDONESIA TAHUN 2003-2006

Abstract

This research is performed in order to test the influence of the variables Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Biaya Operasi Terhadap Pendapatan Operasi (BOPO), and Loan to Deposit Ratio (LDR) toward Return on Assets (ROA). Population in this research used all of bank Devisa in Indonesia during period 2003 through 2006. Population was acquired 36 banking company. Data analysis with multilinier regression of ordinary least square and hypotheses test used t-statistic and Fstatistic at level of significance 5%, a classic assumption examination which consist of data normality test, multicolinierity test, heteroskedasticity test and autocorrelation test is also being done to test the hypotheses. Base on normality test, multicolinierity test, heteroskedasticity test and autocorrelation test classic assumption deviation has not founded, this indicate that the available data has fulfill the condition to use multilinier regression model. Empirical evidence show as Biaya Operasi Terhadap Pendapatan Operasi (BOPO), Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) have influence toward Return on Assets (ROA) bank Devisa over periode 2003-2006 at level of significance 5%. Prediction capability from these four variables toward Return on Assets (ROA) is 90,4%, where the balance 9,6% is affected to other factor which was not to be entered to research model.