FAKTOR FAKTOR YANG MEMPENGARUHI PROFITABILITAS PERBANKAN (Studi pada Bank Umum Go Public yang Listed di Bursa Efek Indonesia Tahun 2011-2013)

Abstract

Bank is one of the financial institution which have activities to raise funds from public in the form of savings and distribute them to the public in from of credit or other form. The purpose of the banking business is gain profit. Ability of the banks in gain profit is measured by return on assets (ROA). The purpose of this research is to examine influence of Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), BOPO, Net Interest Margin (NIM) and DPK through Return On Asset (ROA) of public banking listed at Indonesian Stok Exchange during 2011-2013.
Research using sensus method for taking samples. Data obtained on the basis of publication Annual Bank, obtained 30 samples of General Bank. Samples used in this research are public banking listed at Indonesian Stock Exchange on periode 2011-2013. Analysis technique used is multiple linear regression analysis.
The results of this research found that Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) hasn’t significant effect to Return On Asset (ROA), BOPO has significant negative effect to Return On Asset (ROA), Net Interest Margin (NIM) and DPK has significant positive effect to Return On Asset (ROA).
Keywords: LDR, NPL, BOPO, NIM, DPK and ROA