ANALISIS PENGARUH RASIO – RASIO KEUANGAN TERHADAP LABA (Studi Perbandingan pada Bank Persero dan Bank Asing Periode Tahun 2006-2010)

Abstract

This research was held to test the influence of CAR, LDR and BOPO toward earning. The study was using purposive sampling method. The Data is 5 foreign bank and 4 persero bank over period 2006-2010 period. Analysis technique used is multiple regression with ordinary least square and hypothesis test use t-statistic to test coefficient of regression partial and also f-statistic to test the truth of collectively influence in level of significance 5%. Others also done a classic assuption test covering normality test, multicolinierity test, heteroscedastisity test and autocorrelation test.From the results of the analysis indicate that the model is feasible in foreign banks with significant, while only LDR by t test with significance affecting earnings. From the result of analyse indicate that data CAR, LDR, and BOPO in partial significant toward earning of persero bank and only LDR in partial significant toward earning of foreign bank.. Different foreign bank and persero bank showed by chow test, from foreign bank only LDR significant on earning, while persero bank, CAR, BOPO and LDR significant on earning.