FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA BANK PERKREDITAN RAKYAT (BPR) DI PROVINSI LAMPUNG
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This research is aimed at investigating the performance of Bank Perkreditan Rakyat (BPR) in the city of Bandar Lampung, in terms of the influence of Capital Adequacy Ratio (CAR) on the return on asset (ROA), Loan To Deposit Ratio (LDR) on the ROA and the Operating Expenditure on Operating Income (BOPO) on ROA. CAR, LDR, and BOPO simultaneously on ROA of BPR in the city of Bandar Lampung. The data used in this research is secondary data taken from The Otoritas Jasa Keuangan (OJK) in the five years in a row from year 2012-2015. The sampling was done by taking the amount of conventional BPR listed in the OJK website. The analytical tool used is eviews with the data analysis technique using the data regression panel with Random Effect model. The result shows that CAR has negative and insignificant influence on ROA. LDR has positive and significant influence on ROA. BOPO has negative and significant influence on ROA. Simultaneously, LDR and BOPO have significant effect on ROA and CAR simultaneously has insignificant influence on ROA in the BPR in the city of Bandar Lampung year 2012-2015.