ANALISIS PENGARUH RASIO KECUKUPAN MODAL, LIKUIDITAS, NON PERFORMING LOANS, EQUITY TO ASSET RATIO DAN TIME DEPOSIT RATIO TERHADAP RETURN ON ASSETS BANK (Studi Empiris Pada Bank Umum Konvensional di Indonesia Periode 2006-2010)

Abstract

This research aim to know influence of Capital Adequacy, Liquidity, Non Performing Loans, Equity to Assets Ratio and Time Deposit to Return On Assets of conventional banks in Indonesia. Independent variables used in this research is CAR, LDR, NPL, EAR and TDR to dependent variable ROA. The sampling technique by sample selection aims (Purposive Sampling) with selection method based on the consideration (Judgement Sampling). Samples used are all conventional banks that listed in Indonesia Stock Exchange 2006-2010 period amounted to 22 banks with linear regression analysis techniques. Based on testing performed all the classical assumptions show the result of regression equation has assumption of normality, no problem multikolonieritas, heterocedastity and autocorrelation. The result of analysis with t-statistical test showed that partially only NPL and TDR have an significant impact on ROA with a significance level less than 0,05 (both 0,000). While CAR, LDR and EAR doesn’t significantly with each level of significance 0,953, 0,423 and 0,063 greater than 0,05. Simultaneously based on test result of the F-Statistic variable CAR, LDR, MPL, EAR and TDR proved significant effect on ROA banks at significance level of 0,000 less than 0,05. Adjusted R2 value 0f 0,387 indicates predictive ability of the five variables on ROA is 38,7% and the remaining 61,3% influence by other factors beyond the research model.