ANALISIS PENGARUH DANA PIHAK KETIGA, KECUKUPAN MODAL, LOAN TO DEPOSITE RATIO, NON PERFORMING LOAN DAN NET INTEREST MARGIN TERHADAP PROFITABILITAS BANK KONVENSIONAL
Abstract
This study aims to test empirically the effect Third party fund (DPK), Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Loan to Deposite Ratio (LDR) , Net Interest Margin (NIM) to profitability of the banking company which is measured by using Return On Asset (ROA) listed on the Indonesia Stock
Exchange (IDX) the period 2012-2017.
Research was conducted on the financial statements issued in the Indonesian Stock Exchange (BEI) using 41 banking companies as research objects. Sampling using purposive sampling method. The data used is the cross section of the years 2012-2017. The technique of collecting data from the annual reports of banks in Indonesia and analyzed using descriptive statistics test, classic assumption test. Hypothesis testing is done using a multiple linear regression analysis.
Based on those results, Third party fund (DPK) has negative and significant influences toward ROA ,Capital Adequacy Ratio (CAR ) has no influence toward ROA , Non Performing Loan (NPL) has negative and significant influences toward ROA , Loan to Deposite Ratio (LDR) has no influence toward ROA , Net Interest Margin (NIM) has positif and significant influences toward ROA