PENGARUH RASIO CAMEL TERHADAP KINERJA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI

Abstract

This research aims to examine the influence of CAMEL ratios to banking performance measured with earnings growth. Ratios that was applied in this research are: CAR, RR, NPL, NPM, ROA, NIM, BOPO, LDR dan GWM. The population in this research are all of banking firsm listed in Indonesian Stock Exchange 2006-2008. Total sample in this research are 63 banking firms that selected with purposive sampling. Independent variable in this research are : CAR (Capital Adequacy Ratio), RR (Retention Rate), NPL (Non Performing Loan), NPM (Net Profit Margin), ROA (Return On Assets), NIM (Net Interest Margin), BOPO (Operational Expenses to Operational Revenue), LDR (Loan to Deposit Ratio), GWM (Mimimum Current Account). Dependent variable in this research is earning growth. Data analyzed with classic assumption test and hypothetical testing with multiple regression models. The results of this research indicates that NPM variable had significant influence to earning growth. NPM variable had negative significant influence to earning growth. CAR, RR, NPL, ROA, NIM, BOPO, LDR and GWM variable had not significant influence to earning growth.