TA DIGITAL
Analisis Pengaruh Capital Adequesy Ratio (CAR), Loan to Deposit Ratio (LDR), Biaya Operasi Terhadap Pendapatan Operasi (Bopo), Kualitas Aktiva Produktif (KAP) Terhadap Return on Asset (ROA) Pada Bank Umum Swasta Nasional Devisa Periode 2010 - 2012
Bank is an industry whose main activity is the collection of funds from the public and then distribute it in order to earn income. Therefore important for banks to maintain public confidence in its business because society rely on trust. It is necessary to evaluate the performance of the banks to be able to maintain the healthy condition of the bank. Assessment of bank performance can be seen from its financial ratios. CAR ratio, LDR, ROA, and KAP is the correct ratio for measuring bank performance as measured by ROA.
Population which becomes object of this research is foreign exchange bank in Indonesia during 2010 - 2012 as many as 35 banks. The selection of the sample using purposive sampling method, in order to get a sample of 24 foreign exchange banks. The data used is the bank's Annual Financial Report for 2010-2012 obtained from the Indonesian Banking Directory, Indonesia Stock Exchange, and the relevant bank website. The method used in this research is to use multiple regression analysis to test the hypothesis that the t test and F test Because the data used is secondary data, to determine the accuracy of the model needs to be tested on some of the assumptions underlying the classical regression model. Classical assumption test used in this study include the normality, multicollinearity, and autocorrelation heteroskedatisitas test.
The results showed that the KAP and BOPO variables has a significant effect on the performance of the Exchange Bank. Where as other variables have not significantly influence on the performance of the Exchange Bank.
Tidak tersedia versi lain