ANALISIS PENGARUH CAR, NPL, NIM, BOPO DAN LDR TERHADAP TINGKAT PROFITABILITAS PERBANKAN ( Studi Kasus pada Bank Umum Swasta Nasional Devisa di Indonesia yang Terdaftar di Bursa Efek Indonesia Periode 2007 - 2011 )

Abstract

This research is performed in order to test the influence of the variables Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Net Interest Margin (NIM), Operational Cost Ratio to Operational Income (BOPO), and Loan to Deposit Ratio (LDR) toward Return On Assets (ROA). Population in this research used foreign exchange commercial banks during period 2007 through 2011. Purposive sampling method were used as samples determining method and 20 bank selected as the sample of the research. Data analysis with multilinear regression of ordinary least square and hypotheses test used t-statistic and F-statistic at level significance 5%, a classic assumption examination which consist of data normality test, multicollinearity test, heteroscedasticity test and autocorrelation test is also being done to test the hypotheses. Based on normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test classic assumption deviation has not founded, this indicate that the available data has fulfill the codition to use multilinear regression model. Empirical evidence show as Non Performing Loans (NPL), Net Interest Margin (NIM), and BOPO have influence toward Return On Asset (ROA) of Foreign Exchange Commercial Banks over period 2007-2011 at level significance 5%. Prediction capability from these five variables toward Return On Asset (ROA) is 49.3%, where the balance 50.7% is affected to other factor which was not to be entered research model.