PROCEEDINGS ICTE 2018 - November 14, 2018, Surabaya, Indonesia 256 IMPACT OF CAR, OCOI, NIM, NPL, DAN LDR ON ROA (CASE STUDY OF BANKS REGISTERED IN LQ45 YEAR 2017)

Abstract

The purpose of this research is to analyse the influence of CAR, OCOI, NIM, NPL, and LDR on to ROA of a few banks which have been registered in LQ45 year 2017. The type of data which been used in this research is a secondary data that were acquired from the bank’s Annual Reports in 2013-2017 which are listed in LQ45. The sampling technique used is saturated sampling. Samples consisted of five banks based on its performance from 2012 until 2017. Multiple regression analysis using the SPSS 20 with 0.05 significant level is the analysis tool to test the hypothesis. The empirical result of this research indicates that Capital Adequacy Ratio (CAR) has an effect on Return On Asset (ROA), Operating Income Operating Costs (OIOC) has an effect on Return On Asset (ROA), Net Interest Margin (NIM) gives an effect onto Return On Asset (ROA), Non-Performing Loan (NPL) have no effects on Return On Asset (ROA) and Loan to Deposit Ratio (LDR) has an effect on Return On Asset (ROA).