PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING LOAN, DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSETS PADA BANK UMUM YANG TERDAFTAR DI BEI TAHUN 2009-2016

Editor Manajemen; GULAM MUHAMMAD; NELVA SISKAWATI

doi:10.32520/jam.v4i1.757

Editor Manajemen UNIVERSITAS ISLAM INDRAGIRI
GULAM MUHAMMAD
NELVA SISKAWATI

DOI: https://doi.org/10.32520/jam.v4i1.757

Keywords: Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, Return On Assets

Abstract

The purpose of this research is to know the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) to Return On Assets (ROA) at Commercial Banks Listed on BEI Year 2009-2016. The data analysis used is EVIEWS Version 7.0 for Windows. Based on calculation result obtained by linear regression equation of panel data is log_ROA = -1,22 + log 0,96 CAR - log 0,18 NPL + log 0,63 LDR. . The coefficient of determination (R2) in obtaining 0.947 result means Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Loan to Deposit Ratio (LDR) give 95,7% influence to Return On Assets (ROA). From the result of partial test shows that Capital Adequacy Ratio (CAR) have positive and significant influence to Return On Assets (ROA), Non Performing Loan (NPL) variable has no significant effect on Return On Assets (ROA), Loan to Deposit Ratio (LDR) significant effect on Return On Assets (ROA). While simultaneous test obtained together with variable of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Loan to Deposit Ratio (LDR) have significant effect to Return On Assets (ROA).