<![CDATA[ABSTRACTThe purpose of this research is to determine the influence of Return On Asset (ROA) and Capital Adequacy Ratio (CAR) to non-performing loans (NPL) on the five Commercial Banks (State Owned Banks, Foreign Exchange Commercial Banks, Regional Development Banks, Joint Venture Banks and Foreign Owned Banks) in Indonesia during the period of 2007 to 2015. This research uses Panel data analysis model, that focuses on pooled EGLS method. Acoording to the research result, partially, variable of ROA has negative and significant influence to NPL, whereas variable of CAR has positive and significant influence to NPL. Furthermore, simultaneously, those two independent variables have significant influence to NPL.Keywords: Return On Asset, Capital Adequacy Ratio, Non-performing loansABSTRAKTujuan dari penelitian ini adalah untuk menentukan pengaruh Return On Asset (ROA) dan Capital Adequacy Ratio (CAR) terhadap non-performing loans (NPL) terhadap lima bank umum di Indonesia dalam kurun waktu 2007-2015. Penelitian ini menggunakan model panel data analisis yang memfokuskan pada metode panel EGLS. Berdasarkan pada hasil penelitian, secara parsial variabel ROA mempunyai pengaruh positif dan signifikan terhadap NPL, sedangkan variabel CAR mempunyai pengaruh negative dan signifikam terhadap NPL.Selanjutnya, secara seimultan kedua variabel independent tersebut mempunyai pengaruh yang signifikan terhadap NPL.Kata Kunci: Return On Asst, Capital Adequacy Ratio, Non-performing loans.]]>
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