ANALISIS KECUKUPAN MODAL, RISIKO KREDIT, EFISIENSI OPERASIONAL, PENDAPATAN DARI BUNGA DAN LIKUIDITAS TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI

Abstract

This study aims to test and provide empirical analysis of the ratio capital adequacy
as measured by capital adequacy ratio (CAR), credit risk as measured by non
performing loan (NPL), operational efficiency as measured by BOPO, interest
income as measured by the net interest margin (NIM) and liquidity as measured by
loan to deposit ratio (LDR) to profitability as measured by return on assets (ROA).
The population of this research are all banking companies listed in Indonesian Stock
Exchange (IDX) from 2010-2014. While the sample was determined by the method
of purposive sampling to obtained a sample of 26 companies. The results of this
study found that the variable of CAR and NPL has no significant effect on ROA.
While other variables, the BOPO, NIM, LDR foundly has significant effect on ROA. F
test results showed variable level of CAR, NPL, BOPO, NIM and LDR silmuntantly,
significant effect on ROA.