PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL, NON PERFORMING LOAN DAN GROSS DOMESTIC PRODUCT TERHADAP RETURN ON ASSET DAN RETURN ON EQUITY (BANK UMUM SWASTA YANG TERDAFTAR DI BURSA EFEK INDONESIA)

Liviawati Liviawati
Syafrul Rajab
Gusmarilla Gusmarilla

PEKBIS
Vol 10, No 2 (2018)

This research was conducted to find out the factors that influence the performancewhere the researches conducted by private commercial banks are included in thetop 15 banks by investment magazine in 2016. The independent variables in thisresearch are CAR, LDR, NPL, BOPO and GDP, whereas the dependent variable isROA. In the research that has been done by researchers, it is found that CAR, LDR,NPL, BOPO and GDP partially have no effect on ROA but simultaneously or withCAR, LDR, NPL, BOPO and GDP have an effect on ROA. In the regression resultsseen the regression equation: Y = -7.978 - 0.002X1 - 0.025X2 - 0.027X3 - 0.076X4 +0.705X5. In the regression equation above shows that the coefficient of CAR, LDR,NPL, BOPO regression is negatively indicated that the influence of the four variablesin opposite direction with Y (ROA). While the coefficient of GDP regression positivesignified that states that the direction of regeneration with ROA.