ANALISIS PENGARUH CAR, NPL, BOPO, LDR, GWM, DAN RASIO KONSENTRASI TERHADAP ROA (STUDI EMPIRIS PADA BANK UMUM YANG LISTING DI BEI 2005-2009)

Abstract

Bank is one of the financial institution which have activities to raise funds from public in the form of savings and distribute them to the public in form of credit or other form. The purpose of the bangking business is gain profit. Ability of the banks in gain profit is measured by return on assets (ROA). In order to achieve the expected return on assets, banks are required by any business activity involving the use of the banking assets or profit that always geared to various risks that must be addressed. In addition, banks also face the condition of the market structure, which, indirectly, affect the ability of banks to generate profit. The purpose of this research is to examine influence of Capital adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Loan to Deposit Ratio (LDR), reserve requirement (GWM), and concentration ratio (CR) through Return On Asset (ROA) of public banking listed at Indonesian Stock Exchange during 2005-2009. Samples used in this research are public banking listed at Indonesian Stock Exchange on period 2005-2009. This research uses purposive sampling method to choose samples so it is resulted 17 companies as samples. Data is analyzed by using multiple regression method and descriptive statistics. The results of this research found that BOPO has significant negative effect to ROA. Besides, this research proves there is significant positive influence between LDR and ROA, also GWM and ROA. Whereas, other variables like CAR, NPL, and CR have no significant effect to ROA.