Pengaruh Capital Adequacy Ratio (Car), Non Performing Loan (Npl) Dan Loan To Deposit Ratio (Ldr) Terhadap Profitabilitas Bank Umum Yang Listed Di Bursa Efek Indonesia Periode 2012-2016

Abstract

The objectives of this research is to analyze the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and Loan to Deposit Ratio (LDR) toward Return on Asset (ROA) which is as a proxy of Profitability Banking Firms. The research method used is the method of verification. The type of data used are secondary data. The number of the target population in this study were 27 banking companies listed in Indonesia Stock Exchange (IDX) 2012-2016. The analysis technique used is a statistical test with a multiple regression analysis and hypothesis testing using the F test and t test, which had previously been performed classical assumption first. The results showed that CAR, NPL and LDR simultaneously had a significant effect on return on assets, whereas based on partial test (t) it was concluded that CAR and LDR variable had no effect on ROA while NPL variable had significant negative effect to ROA.