Pengaruh Capital Adequacy Ratio (CAR), Loan To DepositudRatio (LDR), Dan Perbandingan Biaya OperasionaludDengan Pendapatan Operasional (BOPO)udTerhadap Return On Assets (ROA)ud(Studi Empiris pada 3 Bank Persero Terbesar di Indonesia Periode 2010-2014)

摘要

This study aims to find the effect of Capital Adequacy Ratio (CAR), Loan toudDeposit Ratio (LDR), and the ratio of Operating Expenses to Operating Incomeud(BOPO) on Return On Assets (ROA) of the state-owned banks registered at BankudIndonesia (BI) in 2010 to 2014 period. Return On Assets (ROA) indicates the leveludof profitability of a company. The population is entire state-owned banks listed inudBank Indonesia (BI). This research is using purposive sampling technique,udinvolving 3 state-owned banks in Indonesia as samples. Analysis technique used isudmultiple regression analysis.udThe result of this study shows that: (1) Capital Adequacy Ratio (CAR) hasudno significant effect on Return On Assets (ROA), (2) Loan to Deposit Ratio (LDR)udhave significant effects on Return On assets (ROA), (3) Ratio of OperatingudExpenses to Operating Income (BOPO) have significant effect on Return on assetsud(ROA), (4) Capital Adequacy ratio (CAR), Loan to Deposit ratio (LDR), and theudratio of Operating Expenses to Operating Income (BOPO) together have audsignificant effect on Return on Assets (ROA).