PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL, NON PERFORMING LOAN DAN GROSS DOMESTIC PRODUCT TERHADAP RETURN ON ASSET DAN RETURN ON EQUITY (BANK UMUM SWASTA YANG TERDAFTAR DI BURSA EFEK INDONESIA)

Abstract

This research was conducted to find out the factors that influence the performance
where the researches conducted by private commercial banks are included in the
top 15 banks by investment magazine in 2016. The independent variables in this
research are CAR, LDR, NPL, BOPO and GDP, whereas the dependent variable is
ROA. In the research that has been done by researchers, it is found that CAR, LDR,
NPL, BOPO and GDP partially have no effect on ROA but simultaneously or with
CAR, LDR, NPL, BOPO and GDP have an effect on ROA. In the regression results
seen the regression equation: Y = -7.978 - 0.002X1 - 0.025X2 - 0.027X3 - 0.076X4 +
0.705X5. In the regression equation above shows that the coefficient of CAR, LDR,
NPL, BOPO regression is negatively indicated that the influence of the four variables
in opposite direction with Y (ROA). While the coefficient of GDP regression positive
signified that states that the direction of regeneration with ROA.