THE IMPACT OF CAMELS FINANCIAL RATIO TO THE BANK PERFORMANCE:udAN EMPIRICAL STUDY ON THE BANKS WITH CAPITAL BETWEENud1 TRILLION TO 50 TRILLION RUPIAHS IN 2005-2009

摘要

The research is about the analysis of impact of the CAMELS financial ratios to the BankudPerformance. In this case the writer use Return on Assets as the proxy for Bank Performance.udThe objective of This research performed in order to test the influence of the variable, CapitaludAdequacy Ratio (CAR), Non Performing Loan (NPL), Provision Fulfillment Earning Assetsud(PPAP) Net Interest Margin (NIM), Return on Equity (ROE), Operational Expenses OperationaludIncome (BOPO), Loan to Deposit Ratio (LDR), and Sensitivity to Market risk (CARS) towardudReturn on Asset (ROA). Using purposive sampling method, the writer has selected 47 banks withud1 trillion up to 50 trillion rupiahs of assets according to classification stated in Indonesia BankingudArchitects from Central Bank.udThe Research uses Pooled Least Square (PLS) method with Eview3 software. Dataudanalyzed with multi linear regression of Pooled least square and hypotheses test used t-statisticudand F-statistic at level of significance 5%.udThe research finds out that the model of this study may explain the dependent variableudReturn on Assets (ROA) of 89.17%. The F-test show that simultaneously the dependent variablesudeffect on ROA, in α level of 95%. Capital Adequacy Ratio (CAR), Return on Equity (ROE), NetudInterest Margin (NIM), Operational Expenses Operational Income (BOPO) proven toudsignificantly influence Return on Assets.