ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012

SIALLAGAN, GOLDAN MERION (2014) ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012. S1 thesis, Universitas Negeri Jakarta.

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Abstract

ABSTRACT Goldan Merion Siallagan, 2014; Analysis the influence of the Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) and Operational Efficiency Ratio (OER) Toward Return On Asset (ROA) On Foreign Exchange Banks In Indonesia Period 2010-2012. Advisor; Dr. Hamidah, S.E., M.Si dan Dra. Umi Mardiyati, M.Si. Bank is an institution which its main activity is fund raising from society then revolves it with purpose to generate revenue from which. This research using data from published financial reports Banking Firms that published from Indonesian Banking in the period of 2010-2012. Methodology research as the sample used purposive sampling, sample was accured 33 foreign exchange banks in Indonesia. Data analysis with multi liniear regression of ordinary least square and hypotheses test used t-statistic and Fstatistic at level of significance 5%, a clasic assumption examination which consist of data normality test, multicolinearity test, heteroskedasticity test and autocorrelation test is also being done to test the hypotheses. Based on test, multicolinearity test, heterosskedasticity test and autocorrelation test classic assumption deviation has no founded, this indicate that the available data has fulfill the condition to use multi linear regression model. This result of research show that variable LDR and NPL partially have positive influence but not significant toward ROA. Variable OER partially have negative significant influence toward ROA. Variable LDR, NPL and OER simultaneously have significant influence toward ROA. Prediction capability from these three variable toward ROA is 89,6% where the balance 10,6% is affected to other factor which was not to be entered to research model. Key Words: Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational Efficiency Ratio (OER) and Return On Asset (ROA)

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