FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERUSAHAAN PERBANKAN DI BURSA EFEK INDONESIA

Abstract

Banking is everything which is concerning about Bank, including institute,
business activity, and also the way of and process to execute its effort, while Bank
represent the nucleus, core institute from financial system, every state which is the
effort in essence muster the fund from society which is its for in the form of saving,
deposit and giro, channelling to society needing fund in the form of credit and also
service in payment traffic. .Ability of the banks in gain profit is measured by return
on assets (ROA). The purpose of this research is to examine influence of Capital
Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM),
Loan to Deposit Ratio (LDR), and BOPO through Return On Asset (ROA) of public
banking listed at Indonesian Stok Exchange during 2011-2012.
Research using purposive sampling method for taking samples. Data obtained on
the basis of publication Annual Bank, obtained 5 samples of General Bank. Samples
used in this research are public banking listed at Indonesian Stock Exchange on
period 2011-2012. Analysis technique used is multiple linear regression analysis.
The results of this research found that Capital Adequacy Ratio (CAR) and
Loan to Deposit Ratio (LDR) hasn’t significant positive effect to Return On Asset
(ROA), Non Performing Loan (NPL) hasn’t significant negative effect to Return
Asset (ROA), Net Interest Margin (NIM) has significant positive effect to Return On
Asset (ROA), and BOPO has significant negative effect to Return On Asset (ROA).