FAKTOR - FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN PERBANKAN (Studi Kasus Pada Perusahaan Perbankan yang Terdaftar di BEI Tahun 2012 – 2015)

Abstract

This study aims to compare the financial performance of the profitability risk that is ROA (Return on Assets) to other financial ratios such as Capital Adequacy Ratio (CAR), LDR (Loan to Deposit Ratio), BOPO (Operational Cost / Operating Income), AND NPL (Non Performing Loan). Hypothesis testing in this study using multiple regression analysis (Multiple Regression). This research is conducted from 2012-2015 period on Conventional Commercial Bank in Indonesia Stock Exchange. The research was conducted using purposive sampling method with a sample of 35 banking companies. The result of research after partial hypothesis test shows that CAR has positive and not significant effect to ROA, LDR has negative and significant effect to ROA, BOPO has negative and significant effect to ROA, NPL has positive and significant effect to ROA. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), BOPO (Operating Cost / Operating Income), Non Performing Loan (NPL and Return On Assets (ROA)