Analisis CAR, BOPO, NPL, Dan LDR Terhadap ROA Perusahaan Perbankan

Abstract

The objectives of this research to analyze the effect of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Non Performing Loan (NPL), and Loan to Deposit Ratio (LDR) toward Return on Asset (ROA). This research uses 43banking companies listed on the Indonesia Stock Exchange in the 2015-2017 observation year as the population. Sample selection in this study using purposive sampling technique, 30 data are selected as samples. Data analysis and hypothesis testing in this study using software Eviews version 9.0.The results of the t-test show that CAR and BOPO partially have a negative and significant effect on ROA, while the NPL and LDR partially do not have a significant effect on ROA. The results of the F-Test show that CAR, BOPO, NPL, and LDR together have a significant effect on ROA. Predictive ability of the five independent variables to ROA is 85,67% and it shown by adjusted R² value, the rest 14,33% influenced by other variables outside the model