ANALISIS PENGARUH CAR,NPL,PDN,NIM,BOPO,LDR,DAN SUKU BUNGA SBI TERHADAP ROA

Abstract

This research is performed on order to test the influence of the variable Capital Adequacy Ratio (CAR),
Non Performing Loan (NPL), Posisi Devisa Netto (PDN), Net Interest Margin (NIM), BOPO (Biaya
Operasional/Pendapatan Operasional), Loan to Deposit Ratio (LDR), and SBI rate toward Return On
Asset (ROA).Methodology research as the sample used purposive sampling, sample was accured 20 Bank
Devisa in Indonesia. Data analysis with multi liniear regression of ordinary least square and hypotheses
test used t-statistic and Fstatistic at level of significance 5%, a clasic assumption examination which
consist of data normality test, multicolinearity test, heteroskedasticity test and autocorrelation test is also
being done to test the hypotheses. During research period show as variabel and data research was
normal distributed. Based on test, multicolinearity test, heterosskedasticity test and autocorrelation test
classic assumption deviation has no founded, this indicate that the available data has fulfill the condition
to use multi linear regression model. This result of research show that variable PDN and Suku Bunga SBI
did not influence ROA. Variable CAR, NIM, and LDR positive significant influence significant toward
ROA. Variable NPL and BOPO negative significant influence toward ROA. Prediction capability from
these seven variable toward ROA is 72% where the balance 28% is affected to other factor which was not
to be entered to research model.
Keywords: Return On Asset (ROA), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Posisi
Devisa Netto (PDN), Net Interest Margin (NIM), BOPO (Biaya Operasional/Pendapatan
Operasional), Loan to Deposit Ratio (LDR), and Suku Bunga SBI.