ANALISIS FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK PERKREDITAN RAKYAT DI KOTA PEKANBARU (PERIODE TAHUN 2012 SAMPAI DENGAN TAHUN 2016)

Abstract

This study aims to Analyze the Influence of Capital Adequacy Ratio
(CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational
Cost and Operating Income (BOPO) to Return On Assets (ROA). Then to Test and
Analyze Influence of the most dominant variable in influencing Return On Assets
(ROA).
The data used is the publication of the Annual Report of Bank Indonesia
from 2012 to 2016 sampling technique used was purposive sampling criteria rural
banks (BPR) which has been operating in Pekanbaru during the period of
observation the years 2012 until 2016 and submitted to Bank Indonesia. Obtained
a sample of 18 company number rural banks (BPR) which has been operating in
Pekanbaru during the observation period 2012 until 2016. The hypothesis was
tested using t-statistics to test the significance of the partial regression
coefficients and F-statistics to test the significance of regression coefficients
together -sama at the 5% level of significance.
The result of research there are influence of Capital Adequacy Ratio
(CAR) and Operational Cost of Operating Income (BOPO) to Return On Assets
(ROA). While the Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL)
does not affect the Return On Assets (ROA) of the Rural Banks (BPR). From
determinant coefficient test (Adj R2) it is known that the Capital Adequacy Ratio
(CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) and
Operational Income Operating (BOPO) variables only succeeded in influencing
Return On Assets (ROA) amounted to 13.60%, meaning there is another 86.40%
influenced by other variables.