ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN LEMBAGA PERBANKAN Pada Bank Swasta Nasional Periode 2006-2009

Abstract

This research is performed on order to test the influence of the variable Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO (Biaya Operasional/Pendapatan Operasional), Loan to Deposit Ratio (LDR), and Net Interest Margin (NIM) toward Return On Asset (ROA). Population for this research is Public Bank that listed in BEI in the periode of 2006-2009 . This research using data from published financial reports Banking Firms that published from Indonesian Banking. The number of sample that examined after passed the purposive sampling phase is 20 Bank Swasta. Analyze technique to use in this research is multiple linier regression to obtain picture which totally regarding relationship between one variable with other variable The result of t test shows that NIM and LDR have positive and significant influence to ROA . Variable NPL and BOPO have negative and significant influence to ROA. Otherwise, CAR variable have positive but not significant influence to ROA. The result of the count can be known that variabel NIM,LDR, NPL, BOPO gave the great influence to financial performance.