ANALISIS PENGARUH NPL, CAR, LDR, DAN BOPO TERHADAP PROFITABILITAS BANK (Perbandingan Bank Umum Go Publik dan Bank Umum Non Go Publik di Indonesia Periode Tahun 2005-2007)
ABSTRACT: This research is
performed in order to test the influence of
the variable Non Performing Loan (NPL), Capital Adequacy Ratio (CAR),
Loan to Deposit Ratio (LDR) and BOPO
toward Return on Asset (ROA). Sampling technique used is purposive sampling
with criteria as General Banking in Indonesia who provide financial report and
traded during period 2005 through 2007 and forwarded to Bank Indonesia. The
Data is based on publicity Indonesia Banking Directory since 2005 to 2007.
Obtained by amount sampel as much 81 company from 130 banking company in
Indonesia 2005-2007 period. Analysis technique used is doubled regression with
smallest square equation and hypothesis test use t-statistic to test
coefficient of regression partial and also f-statistic to test the truth of
collectively influence in level of significance 5%. Others also done a classic
assumption test covering normality test, multicolinierity test,
heteroscedastisity test and autocorrelation test. During research period show
as data research was normally distributed.
Based on multicolinierity test, heteroscedasticity test and autocorrelation
test variable digressing of classic assumption has not founded, its indicate
that the available data has fulfill the condition to use multi linier regression
model. From the result of analyse indicate that data NPL, CAR, LDR and BOPO in
partial significant toward ROA bank go public at level of significant less than
5%, but only LDR in partial significant toward ROA bank non go public at level
of significant less than 5%. Chow test result show 3,372 bigger than 1,96 so
there,s different between go public bank and non go public bank.
Keywords: Non Performing Loan
(NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) BOPO and Return on Asset (ROA)
Penulis: Ahmad Buyung
Nusantara, ST
Kode Jurnal: jpmanajemendd090159
