ANALYSIS THE INFLUENCE OF NPL, CAR, LDR, AND NIM TO PROFITABILITY OF STATE OWNED BANKS IN INDONESIA TIME PERIOD OF 2007-2011

Abstract

The objective of this research is to analyze the influenced of Non Performance Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, and Net Interest Margin to Bank Profitability (ROA) of state own bank in period 2007 – 2011. The researcher took this title to see the effect of global crisis which happened in United State in 2008 and following by Europe crisis. This research used quantitative multiple regression analysis. This study used secondary data, which taken from bank website that published and audited. The data is Non Performance Loan, Capital Adequacy Ratio, Loan to Deposit Ratio, Net Interest Margin, and return on Asset. The result of the study used T-test that Non Performance Loan is negative influenced to Return on Asset, Capital Adequacy Ratio have not significant influenced to Return on Asset, Loan to Deposit Ratio have not significant influenced to Return on Asset, and Net Interest Margin is positive influenced to Return on Asset. The result of simultaneously used F-test shown that all independent variables are significant influenced to dependent variable, because of the significant value is 0.000 and lower than 0.05. The coefficient of determination (R2) is 0.739 equal to 73.9% Return on Asset explained by four independent variables, while the remaining of 26.1% explained by other variables which are not included in this research.