PENGARUH NPL, CAR, LDR, LTA, GWM DAN GDP TERHADAP KINERJA KEUANGAN BANK UMUM PERSERO DI INDONESIA PERIODE 2008-2015
Abstract: The purpose of this
research is to understand the influence of non performing loan, capital
adequacy ratio, loan to deposit ratio, liquid asset to total asset, legal
reserve requirement, and gross domestic product on financial performace in
bank. In this research, reseacher use roa to measure financial performance. The
object of this study were bank persero listed at bank indonesia period
2008-2015. The study uses a quantitative approach, and used are secondary data.
The methods of data analysis were multiple regresion models. The result of this
study indicated that non performing loan variable has a negative and
significant on financial performance. Capital adequacy ratio variable has no
influence on financial performance because to the element of prudential bank in
diverting funds from the equity placement. Loan to deposit ratio variable has a
negative and significant. Liquid asset to total asset variable has no influence
on financial performance because the size of the cash that must be owned byn
the bank depends on the characteristic of the bank. Legal reserve requirement
variable has no influence on financial performance because the minimum legal
reserve requirement not get invcome. Gross domestic product on financial
variable has no influence on financial performance because it does not affect
the demand for bank credit that will have an impact on income.
Keywords: financial
performance, banking, macro economy, internal bank
Penulis: NOVI ANDRIYANI
Kode Jurnal: jpmanajemendd171158
