ANALISIS PENGARUH RISIKO KREDIT, PERPUTARAN KAS, LIKUIDITAS, TINGKAT KECUKUPAN MODAL, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BEI PERIODE 2007-2013

摘要

This research aimed to analyze the influence of credit risk as measured by non performing loan-NPL, cash turnover, liquidity as measured by loan to deposit ratio-LDR, capital adequacy as measured by the capital adequacy ratio-CAR, operational efficiency as measured by BOPO on the profitability as measured by return on assets-ROA banking companies listed on Indonesian Stock Exchange in the period 2007-2013. Population of this research is all banking companies listed on Indonesian Stock Exchange in the period 2007-2013. Sampling method used purposive sampling method. This research used a sample of 14 banking companies. Types of data used in secondary data of Indonesian Capital Market Directory (ICMD). Analyze technique used multiple linear regression analyze. This result of this research with regression analyze are : credit risk has a negative and significant effect on the profitability in the banking companies listed on the Indonesia Stock Exchange, cash turnover has a positive and significant efect on the profitability in the banking companies listed on the Indonesia Stock Exchange, liquidity has a positive and not significant effect on the profitability in the banking companies listed on the Indonesia Stock Exchange, capital adequacy has a positive and significant effect on the profitability in the banking companies listed on the Indonesia Stock Exchange, and operational efficiency has a negative and significant effect on the profitability in the banking companies listed on the Indonesia Stock Exchange. The coefficient of determination, the value of adjusted R2 was 0,855, which means that the variability of the dependent variable could be explained by the variability of the independent variable was 85,5%. While the remaining 14,5% was explained by other factors outside the reseacrh model.