Analisis Pengaruh Rasio Car, Bopo, dan LDR Terhadap Kinerja Keuangan Perbankan yang Terdaftar di Bursa Efek Indonesia Tahun 2008-2012

Abstract

This study was to determine the effect of the ratio of the Capital Adequacy Ratio (CAR), Operating Expenses to Operating Income (ROA), and the loan to deposit ratio (LDR) on the financial performance as measured by return on assets (ROA). The sample used in this study is a banking company listed on the Stock Exchange from 2008 and still registered until 2012 that as many as 21 sample companies, the sampling technique using purposive sampling method. Data analysis method used is Classical Test Analysis and Test Assumptions multiple linear regression with the t test, F test, and the coefficient of determination (R ). The results showed that the classical assumption test found no problems. T test results showed that the variable Capital Adequacy Ratio (CAR) significant positive effect on ROA. This proves that the capital adequacy in the operations must be fulfilled. BOPO significant positive influential on ROA. The higher the ROA, it can be said that the company operations inefficient banks. Loan to Deposit Ratio (LDR) significant positive effect on ROA, the test shows that F together (simultaneously) variable CAR, ROA and LDR significant effect on ROA. And obtained results coefficient of determination (R 2 ) 23,6 % .