PROFITABILITAS PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA (BEI) TAHUN 2012-2015 THE INFLUENCE OF CAR, BOPO, LDR, NIM, AND NPL TOWARD THE PROFITABILITY OF BANKS LISTED IN INDONESIAN STOCK EXCHANGE IN THE YEAR OF 2012 to 2015
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Generally, profitability or printability is the ability of the company to produce profit for a particular period. Profitability of the company shows the comparison between its profit and its fund which produce the profit. This study is aimed at testing the influence of the Capital Adequacy Ratio (CAR) , operating costs and operating income, Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), and Non Performing Loan (NPL) toward the profitability of the banking company which is measured by using Return On Asset (ROA). 24 banking companies among the population are chosen by using purposive sampling technique as the sample of this study. They are included in the Stock Exchange in the year of 2012-2015. SPSS 16 was used to test the classic assumption and the multiple regression analysis. The results of this study shows that this study has been acquired the classic assumption technique. It means that the regression model is free from the multicolinearity, heteroskedast, and autocorrelation. The data which were gained in this study are categorized as ‘normal’. Based on those results, Capital Adequacy Ratio (CAR) has no influence toward ROA, BOPO has negative influences toward ROA, LDR has positive influences toward ROA, NIM has positive influences toward ROA, and NPL has no influences toward ROA.