ANALYSIS THE INFLUENCE OF CAPITAL ADEQUACY RATIO, NON-PERFORMING LOAN, NET INTEREST MARGIN AND OPERATING COST TO OPERATING INCOME TOWARD RETURN ON ASSET (A CASE STUDY OF THE GO PUBLIC BANKS THAT LISTED ON INDONESIA STOCK EXCHANGE PERIOD 2009 - 2013)

Abstract

This research is about to analyze the influence of capital adequacy ratio, non-performing loan, net interest margin and operating cost to operating income toward return on asset of the go public banks that listed on indonesia stock exchange period 2009-2013. The problem stated in this research is about there is a difference between theory and the results of previous studies. The objectives of this study is to analyze the partial and simultaneous significant influence of CAR, NPL, NIM and OCOI toward ROA. The methodology used in this research is quantitative research method using secondary data. The sampling method used is purposive sampling, with criteria that the go public banking companies and financial analysis data are from annual report of each bank. The analysis of this research is using multiple regression analysis. With significance level of 0.05, the result of multiple regression shows that partially, CAR and NPL have a positive and significant influence, NIM has a positive and not significant influence and OCOI has a negative significant influence toward ROA. While simultaneously all of the independent variable are significantly influence the ROA. The coefficient of determinant in this research is 61.9%.