PENGARUH CAPITAL ADEQUACY RATIO, BIAYA OPERASIONAL PER PENDAPATAN OPERASIONAL, NON PERFORMING LOAN, DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET DAN RETURN ON EQUITY (Studi pada Bank Umum Swasta Nasional Devisa Tahun 2012–2016) - Jihan Aprilia; Siti Ragil Handayani (Fakultas Ilmu Administrasi Universitas Brawijaya, 2018)
The objective of this research was to explain the effect of Capital Adequacy Ratio (CAR), Operational Cost per Operational Revenue [Biaya Operasional Per Pendapatan Operasional (BOPO)], Non Performing Loan (NPL), and Loan to Deposit Ratio (LDR) on Return On Asset (ROA) and Return On Equity (ROE) simultaneously and partially. The type of research used in this research is explanatory research with quantitative approach. This location of the research is on Bank Umum Swasta Nasional (BUSN) Devisa listed in Bank Indonesia year 2012–2016. The sample of this researchis 18 banks resulted from purposive sampling technique. The results explained that: 1) CAR, BOPO, NPL, and LDR has significant effect on ROA simultaneously; 2) CAR, BOPO, NPL, and LDR has significant effect on ROE simultaneously; 3) CAR has not significant effect on ROA partially; 4) BOPO has significant negative effect on ROA partially; 5) NPL has not significant effect on ROA partially; 6) LDR has not significant effect on ROA partially; 7) CAR has significant negative effect on ROE partially; 8) BOPO has significant negative effect on ROE partially; 9) NPL has not significant effect on ROE partially; 10) LDR has not significant effect on ROE partially. Kеywords: Capital Adequacy Ratio (CAR), Operational Cost per Operational Revenue [Biaya Operasional Per Pendapatan Operasional (BOPO)], Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Return On Asset (ROA), Return On Equity (ROE). АBSTRАK Tujuan penelitian ini untuk menguji pengaruh Capital Adequacy Ratio (CAR), Biaya Operasional Per Pendapatan Operasional (BOPO), Non Performing Loan (NPL), dan Loan To Deposit Ratio (LDR) terhadap Return On Asset (ROA) dan Return On Equity (ROE) baik secara simultan maupun parsial. Jenis penelitian yang digunakan adalah explanatory research dengan pendekatan kuantitatif. Lokasi dalam penelitian ini adalah Bank Umum Swasta Nasional (BUSN) Devisa yang terdaftar di Bank Indonesia tahun 2012–2016. Metode pengambilan sampel pada penelitian ini menggunakan purposive sampling, sehingga diperoleh 18 bank yang dijadikan sampel pada penelitian ini. Hasil penelitian ini menjelaskan bahwa: 1) CAR, BOPO, NPL, dan LDR berpengaruh signifikan secara simultan terhadap ROA; 2) CAR, BOPO, NPL, dan LDR berpengaruh signifikan secara simultan terhadap ROE; 3) CAR tidak berpengaruh signifikan terhadap ROA secara parsial; 4) BOPO berpengaruh negatif signifikan terhadap ROA secara parsial; 5) NPL tidak berpengaruh signifikan terhadap ROA secara parsial; 6) LDR tidak berpengaruh signifikan terhadap ROA secara parsial; 7) CAR berpengaruh negatif signifikan terhadap ROE secara parsial; 8) BOPO berpengaruh negatif signifikan terhadap ROE secara parsial; 9) NPL tidak berpengaruh signifikan terhadap ROE secara parsial; 10) LDR tidak berpengaruh signifikan terhadap ROE secara parsial. Kаtа Kunci: Capital Adequacy Ratio (CAR), Biaya Operasional Per Pendapatan Operasional (BOPO), Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Return On Asset (ROA), Return On Equity (ROE).