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PENGARUH RASIO KEUANGAN BANK TERHADAP KINERJA KEUANGAN BANK UMUM SWASTA NASIONAL (BUSN) DEVISA
This research aims to determine the influence of loan to deposit ratio, Non performing loan, capital adequacy ratio, and operational costs on operation income, on financial performance proxied with return on asset at private national foreign exchange banks which is listed in the indonesia stock exchange . The population in this research is a private national private banking company which is listed in the Indonesia stock exchanges during the 2012-2016 periode. The sample selection is done by using purposive sampling method. The result of research shows that LDR and BOPO variabel have significant negative influence to ROA, NPL has no significant negative influence on ROA, while CAR has no significant Positive influence on ROA. The value of coefficient of determination, which shows the magnitude of the influence of LDR, NPL, CAR and BOPO on ROA of 36,0% while the rest of 64.0% is explained by other causes outside the model.
Keywords : Loan to Deposit Ratio (LDR), Non Performing loan (NPL), Capital Adequacy Ratio (CAR), Operational cost on Operating income (BOPO)
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