Abstract:
This research is about to analyze the influence of Capital Adequacy Ratio, Loan to
Deposit Ratio, Operational Cost to Operating Income, and Non-Performing Loan
toward Return On Asset of 4 State Owned Bank which are Bank Mandiri, Bank
Negara Indonesia, Bank Rakyat Indonesia, and Bank Tabungan Negara that listed
on Indonesia Stock Exchange period 2004-2013. The problem stated in this
research that there is occurrence of differences between the theories with the
research result, which reinforces the need to conduct the research. The objective
of this research is to analyze the significant CAR, LDR, OCOI, and NPL toward
ROA, partially and simultaneously. The methodology used in this research is
quantitative research method using secondary data. The sampling method used is
purposive sampling, which criteria is four State Owned Banks that listed on
Indonesia Stock Exchange and provided quarterly financial report and ratios in
accordance with the variables. The analysis of this research is using multiple
linear regression analysis, with significance level of 0.05. The results of multiple
regression shows that partially CAR and LDR have a positive significant
influence, OCOI have a negative significant influence, and NPL have a positive
but not significant influence toward ROA. While simultaneously all of the
independent variables are significantly influence the ROA. The coefficient of
determinant in this research is 78.6%.
