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Journal : Holistic Journal Of Management Research

Pengaruh Capital Adequacy Ratio (Car), Net Interest Margin (Nim), Loan To Deposit Ratio (Ldr) dan Non Performing Loan (Npl) Terhadap Return On Assets (Roa) Pada Pt. Bank Mandiri (Persero). Tbk Hidayati, Hidayati; Yuvia, Yuvia
Holistic Journal of Management Research Vol 3 No 2 (2015): Holistic Journal of Management Research
Publisher : Fakultas Ekonomi Universitas Bangka Belitung

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Abstract

This study analyzed the effect of solvency ratios, profitability ratios, liquidity ratios and earning assets ratios to Return On Assets (ROA) at PT Bank Mandiri (Persero), Tbk. Return On Assets (ROA) is used because it is able to count the ability of bank management to obtain profit on the whole. It is important because bank is a form of financial company which relies on public trust. The bank risk is much greater than the non bank companies. This technique in this study used purposive sampling which is the sampling get in certain consideration. The data used in this study were obtained from the Financial Highlights of PT Bank Mandiri (Persero), Tbk from 2000 to 2011. The analysis technique that used is multiple linear regression using SPSS version 20. The hypothesis testing using the F test and t test and also using classical assumption test involve multikolonierity test, autocorrelation test, heteroscedasticity test and normality test. Based on the study, it can be concluded that the Capital Adequacy Ratio variable has positive effect although insignificant on Return On Assets, Net Interest Margin variable has negative effect although insignificant on Return On Assets, Loan to Deposit Ratio variable has positive and significant effect on Return On Assets and Non-performing Assets variable has negative and significant effect on Return on Assets. This study obtained a value of Adjusted R2 = 0.911, it means that 91.1% Return On Assets can be explained by the independent variables, namely the Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) and the remain 8.9% is explained by other factors in the outside of regression model.
Co-Authors A, Agung Agoes Soehianie Agung Endro Nugroho Agus Prasetyo Alexander A. Iskandar A. Iskandar Alwafi, Iffa Arifuddin Arifuddin Asbah, Asbah Asmawit Asmawit, Asmawit Asmawit, Asmawit Astuti Wijayanti, Astuti Aurum, Jati Bakar, Ali Abu Bambang Setiaji Budi, Agnes Cahyani, Rani Candra Kurniawan Christianingrum Christianingrum, Christianingrum Darma, Azri Desi Purnamasari Didiek Herhady Dodi Ramdani, Dodi Duwi Agustina, Duwi Ernawati Ernawati Erni Suryandari, Erni Fadil Oenzil Fahrudin Fahrudin Fara, Lintan Farid Salahudin, Farid Farida, Camellia Fatni Mufit Ferry Sudarto, Ferry Fitri Jayanti, Fitri Fitriana Djafar, Fitriana Gambiro Gambiro, Gambiro Geubrina, Misla Gusrawati, Rina Hafni Bachtiar Hartono Hartono Hastuti, Ening Sry Helmi Arifin Humaira Humaira Husada, Sarif Ilham Ilham Inayati Inayati Isran, Isran istiqomah istiqomah Jejem Mujamil, Jejem Juniana, Nur Kuswardani Kuswardani, Kuswardani Lukman Lukman Masril Masril Maya Yusnita, Maya Mayasari Mayasari, Mayasari Mayefis, Delladari Miftahus Surur, Miftahus Mohamad Rusdi Hidayat, Mohamad Rusdi Mohammad Rusdi Hidayat, Mohammad Rusdi Muhammad Dani Supardan Muhammad Ikhsanudin, Muhammad Murniati, Asih Mustafa, Dian PW Najemi, Chairin Nana Supriyatna, Nana Ningsih, Ica Nursari, Nursari Pasaribu, Sumihar Praba Ginandjar Pramono Putro Utomo, Pramono Putro Prianti, Anna Puji Hariati Winingsih, Puji Hariati Qadariah, Lelly Rahayu, Gustria Rahmaniah, Rima RAVEINAL RAVEINAL Reni Marlina Riri Jonuarti Ristiyanti, Septi Rusnaini Rusnaini Saleh, Eniza Sandi, Indah Maydila Saputro, Nurhadi Semiyatun, Semiyatun Septi Ambarwati, Septi Sigit Sujatmika, Sigit Sopiah, Sopiah Sri Hainil, Sri Sri Rinanti Susilowati Sukma Budi Ariyani, Sukma Budi SUMADI SUMADI Sumar, Sumar Susanti Susanti Suwoto Suwoto Syafruddin Ilyas Tahrir Aulawi Tias Ernawati, Tias Veator Renyaan, Veator Wahyuni Satria Dewi, Wahyuni Satria Wahyuni, Eka Dwi Widiani, Arovah Widowati Pusporini, Widowati Yenni Darvina Yuli Prihatni Yulia Jamal Yurnetti, Yurnetti Yuvia, Yuvia Zain, Isna Zainap, Siti Zakirman, Zakirman Zakiya, Zara Zuindra, Zuindra