ANALISIS PENGARUH RASIO KECUKUPAN MODAL, AKTIVA PRODUKTIF, NIM, BOPO DAN LIKUIDITAS TERHADAP TINGKAT RETURN ON ASSET (Studi pada Bank Umum Konvensional Tahun 2006 – 2010)

Abstract

The purpose of this study is to analyze the effects of Capital Adequacy, Produvtive Assets, Net Interest Margin (NIM), Operating cost to Operating Income (BOPO) and Loan to Deposit Ratio (LDR) toward Return On Asset (ROA) of conventional banks in Indonesia. Independent Variables in this research are CAR, NPL, NIM, BOPO and LDR. Whereas the dependent variable is ROA. The sample determining method is Purposive Sampling method. Samples in this research are all listed banks in Bursa Efek Indonesia (BEI) period of 2006-2010 which amounts to 19 banks. The analysis technique is using multiple regression technique. Based on the results of the classic assumption test show that the regression equation comply the normality assumption, and there are no multicolonierity, heteroskedasticity, and autocorelation problems. Analysis results of t-statisic test show that NPL, NIM, BOPO, and LDR partially have significant effect to ROA while CAR didn’t have significant effect. Then simultaneously, CAR, NPL, NIM, NOPO and LDR are proved have significant effect to ROA.