ANALISIS PENGARUH NPL, BOPO, LDR, SIZE, DIREKSI DAN KOMISARIS INDEPENDEN TERHADAP PROFITABILITAS BANK (Studi Perbandingan Bank Umum Konvensional dengan Bank Umum Syariah di Indonesia periode 2010 -2014)

Abstract

This research aimed to analyze the influence of NPL, LDR,BOPO, Size, Directors and Independent Commissioners as well as knowing the difference influence of those variables to the Return On Asset Conventional Banks and Islamic Banks in Indonesia. The sample of this research consisted of 45 conventional banks and 10 Islamic Banks listed in the Financial Services Authority (OJK) for the period 2010-2014. The model used in research is Analysis of Multiple Linier Regression. The result of research show that NPL and BOPO have a negative and significant effect of both Conventional and Islamic Bank. LDR has positive and significant effect in Conventional Banks and negatif but non significant effect in Islamic Banks. Bank Size has negative but non significant effect of both Conventional and Islamic Banks. Board of Directors has negatif but non significant effect in Conventional Bank and positif and significant effect in Islamic banks. For Conventional Bank, Independen Commisionesr has negatif and significant effect but positif and significant effect in Islamic Bank. Chow test results show differences in regards to factors affecting profitability between Conventional and Islamic banks.