ANALISIS PENGARUH CAR, NPL, BOPO, LDR, DAN NIM TERHADAP PROFITABILITAS PERBANKAN (Studi pada bank umum di Indonesia periode 2006-2010)

Abstract

As companies in general, commercial banks in the operational as well have a goal to be able to get the maximum profit. Therefore, banks must maintain its financial ratios adjusted for the decision of Bank Indonesia as well as maintain its performance in order to remain trusted by customers in the economical activities. This study aims to analyze the effect of CAR, NPL, BOPO, LDR, and NIM to the ROA of commercial banks in Indonesia in the period 2006-2010. The population in this study is a commercial bank in Indonesia. The population of this study were 96 commercial banks and the total sample of 40 banks. The analysis technique used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between variables that one with the other variables. In addition, the hypothesis test used was the t-test statistic for testing the partial regression coefficient and test F-statistic for testing significance together with the significance level of 5%. Classic assumption test covering normality test, multicollinearity, heteroscedasticity test, and the autocorrelation test is also used in this study. The results of this study indicate that CAR, LDR, and the NIM has positive and significant impact on ROA in the banking firm. While the NPL and BOPO significantly and negatively related to ROA banking. The results of this study is expected that the variable CAR, NPL, BOPO, LDR, and the NIM can be used as guidelines for the management of banks in managing a bank in order to become a healthy bank.