ANALYSIS THE INFLUENCE OF CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, OPERATIONAL COST TO OPERATING INCOME, AND NON PERFORMING LOAN TOWARD RETURN ON ASSETS (CASE STUDY OF FOUR STATES OWNED BANKS THAT LISTED ON INDONESIA STOCK EXCHANGE PERIOD 2004 - 2013)

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%.