FAKTOR PENENTU RETURN ON ASSET (ROA)

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Bank is a financial company which its main activity is fund raising, fund distribution and
gives other bank service that is complement service for bank activity. Banking have strategic
position as supporting expeditious payment system, implementation of monetary policy, and
financial system stability. Profitability is an accurate indicator for measuring bank performance.
This research has purpose to analyze the influence of financial ratio of Loan to Deposit Ratio (LDR),
Net Interest Margin (NIM), Operating Expenses/Operating Income (OEOI), Capital Adequacy Ratio
(CAR), Non Performing Loan (NPL), number of branch and macroeconomic factors including
Infiation, BI Rate, Exchange Rate dan Reserve Requirement (RR), on banks profitability as
measured by Return On Asset (ROA) also which variable most dominant influence on Return On
Assets (ROA).

The object of this research is X Bank, a bank operating in the whole territory of Indonesia
with data research in 2006 until 2013. The analysis technique used is multiple regression analysis
with Ordinary Least Squares (OLS) method. Because the data used is secondary data, to determine
the accuracy of themodel needs to be tested on some of the assumptions underlying the classical
regression model. Classic assumption test used in this study include normality test ,
heteroscedasticity test, autocorrelation test dan multicolinearity test.

The result of this research showed that the NIM variable influence a positive effect on
Return On Assets (ROA), the Operating Expenses/Operating Income (OEOI), Non Performing Loan
(NPL), Reserve Requirement (RR) influence a negative effect on Return On Assets (ROA), while Loan
to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), number of branch and macroeconomic
factors including inflation, BI Rate and Exchange Rate does not affect the Return On Assets (ROA).
The predictive capacity of these ten variables on Return On Assets (ROA) in this study amounted to
91.91%, while the remaining 8.09% influenced by other factors not included in this research model.

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Detail Information

Series Title

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Call Number

658.15 Rat f/R.12.234

Publisher

Bandung : Program Magister Manajemen Unpad., 2016

Collation

135 hlm. Ilus ; 29 cm

Language

English

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Classification

658.15

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