ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012
ABSTRACT: This research is performed on order to test 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. Methodology research as
the sample used
purposive sampling, sample
was accured from foreign
banks in Indonesia.
Data analysis with
multi liniearregression of
ordinary least square
and hypotheses test
used t -statistic and Fstatistic, a
classic assumption examination
to t est the
hypotheses. Based on normality
test, multicolinearity test, heterosskedasticity test and autocorrelation test were
not found variables that deviate
from the classical assumptions,
this indicate that the
available data has
fulfill the condition
to u se 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 negativesignificant influence toward ROA. Variable LDR,
NPL and OER simultaneously have
significant influence toward ROA.
Keywords: Loan
to Deposit Ratio
(LDR), Non Performing
Loan (NPL), Operational
Efficiency Ratio (OER) and Return On
Asset (ROA)
Penulis: Hamidah, Umi
Mardiyati
Kode Jurnal: jpmanajemendd140828
