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PENGARUH CAR, BOPO, DAN LDR TERHADAP PROFITABILITAS
This research aims to examine the influence of Capital Adequacy Ratio (CAR), Operating Expense to Operating Income (BOPO) and Loan to Deposit Ratio (LDR) to profitability proxyed with Return On Assets (ROA). The sample in this research using saturated sampling which is using all members of the population of Bank Persero consisting of PT. Bank Mandiri Tbk, PT. Bank Negara Indonesia Tbk, PT. Bank Rakyat Indonesia Tbk, and PT. Bank Tabungan Negara Tbk. The type of data used in this research is secondary data obtained from annual financial reports published in the Indonesia Stock Exchange period 2012-2015. The analysis technique used is descriptive analysis and multiple linear regression analysis using SPSS tool. It also uses classical assumption test consisting of normality test, autocorrelation test, multicollinearity test, and heteroscedasticity test. Hypothesis testing is done by model feasibility test, t test and coefficient of determination analysis. The results showed that the CAR had no significant negative influence on ROA, BOPO had a significant negative influence on ROA, and LDR had a significant negative influence on ROA.
Keywords: CAR, BOPO, LDR, ROA.
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