PANGESTUTI, Irene Rini Demi (2017) ANALYSIS OF THE EFFECT OF NPL, NIM, NON INTEREST INCOME, AND LDR TOWARD ROA WITH SIZE AS CONTROL VARIABLES (Differences Study on Domestic and Foreign Banks Listed on BEI Period 2010-2015). Jurnal Bisnis Strategi, 26 (2). pp. 100-113. ISSN 1410-1246

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Abstract

This study aims to examine the factors that determine the difference ROA on domestic and foreign
banks in Indonesia. The population in this research is data bank domestic and foreign listed on
BEI in 2015. The sample used in this research totaled 228 banks. The result of the study showed
that, in domestic banks, Non-Performing Loan (NPL) influential negative and significantly to
Return On Assets (ROA). Net Interest Margin (NIM) have had a positive impact significantly to
Return On Assets (ROA). While Non-Interest Income and Loan to Deposit Ratio (LDR) influential
negative but not significantly to Return On Assets (ROA).
Category foreign banks Non-Performing Loan (NPL) influential negative and significantly to
Return On Assets (ROA). Net Interest Margin (NIM) influential negative and significantly to
Return On Assets (ROA). Non-Interest Income influential negative and insignificant to Return On
Assets (ROA). Loan to Deposit Ratio (LDR) influential negative and significantly to Return On
Assets (ROA). Size proved as a control variable. In this research used chow test to knows the
difference between domestic and foreign banks. The result shows that there is no difference
between domestic and foreign banks.

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