PANGESTUTI, Irene Rini Demi (2016) Analisis Pengaruh CAR, NPL, LDR, NIM, dan BOPO Terhadap Profitabilitas Bank (Perbandingan Bank Umum Go Public Dan Bank Umum Non Go Public Di Indonesia Periode Tahun 2011-2014). DIPONEGORO JOURNAL OF MANAGEMENT, 5 (2). pp. 1-13. ISSN ISSN (Online): 2337-3792

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Abstract

This study aimed to analyze the influence of Capital Adequacy Ratio (CAR), Non
Performing Loan (NPL), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM),
Operating Expenses to Operating Income (BOPO) of the Banking Profitability (ROA).
The population in this study is the object of all commercial banks in Indonesia which
consists of banks go public and non go public banks listed in the Otoritas Jasa Keuangan in 2014. While the number of samples used by 69 commercial banks, comprised of 23
banks go public and 46 bank non go public. Samples were taken by purposive sampling
system with the criterion that the banking companies whose financial statements have
been published by the Otoritas Jasa Keuangan in the period 2011-2014. The method used
in this study using multiple regression analysis with the hypothesis test tools t test and F
test. Through the simultaneous hypothesis test (test F) note that the CAR, NPL, LDR, NIM
and ROA have significant effect on the profitability of banks, both banks go public and non bank go public with a significance level of 0.000. While based on the partial
hypothesis test (t test) on commercial banks to go public indicates that the variable NPL,
NIM and BOPO significant effect on bank profitability(ROA). While the variable CAR
and LDR no significant effect on bank profitability. The value of adjusted R
in regression
models go public bank obtained at 0.869. This shows that the influence of independent
variables namely CAR, NPL, LDR, NIM and BOPO to dependent variable (ROA) of 86.9% while the remaining 13.1% is influenced by other factors. On the results of partial
hypothesis test (t test) on banks non go public indicates that the variable CAR and BOPO significant effect on bank profitability. While variable NPL, LDR and NIM no significant
effect on bank profitability (ROA). The value of adjusted R^2 in the regression model non go public bank earned 0.637. This shows that the influence of independent variables namely CAR, NPL, LDR, NIM and BOPO to dependent variable (ROA) of 63,7% while the remaining 36.3% is influenced by other factors.

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