Abstract
Banks are the financial institutions that have functions as the intermediary between the two parties such as those who need capital and those who have excessive capital. This research aims to analyze whether LDR, LAR, IPR, NPL, APB, IRR, PDN, BO-PO, and FBIR simultaneously and partially have significant effect on ROA. It uses secondary data taken by means of documentation method. These data were taken from published financial report of the foreign go-public national banks form first quarter of 2010 until second quarter of 2014. Multiple regression analysis was used for analysis. It shows that LDR, LAR, IPR, NPL, APB, IRR, PDN, BOPO, and FBIR simulta-neously have significant effect on ROA. In addition, LAR and FBIR, PDN, BOPO, NPL, partially have positive significant effect on ROA. But, LDR, IPR and APB, and IRR partially have negative and insignificant effect on ROA.
Highlights
Banks are the financial institutions that have functions as the intermediary between the two parties such as those who need capital and those who have excessive capital
This research aims to analyze whether Loan To Deposit Ratio (LDR)
It uses secondary data taken by means of documentation method
Summary
Bank merupakan lembaga keuangan yang berfungsi sebagai perantara keuangan antara pihak yang kelebihan dana dan yang kekurangan dana. LDR adalah rasio yang dapat digunakan untuk mengukur kemampuan suatu bank dalam memenuhi kewajiban jangka pendek terhadap pihak ketiga dengan mengandalkan kredit yang disalurkan. Hal ini terjadi karena apabila LDR meningkat, berarti telah terjadi peningkatan total kredit yang diberikan bank dengan persentase lebih besar dibandingkan persentase peningkatan dana pihak ketiga. LAR adalah rasio yang dapat digunakan untuk mengukur kemampuan bank dalam memenuhi permintaan kredit dengan menggunakan total asset yang dimiliki bank. IPR adalah rasio yang dapat digunakan untuk mengukur kemampuan suatu bank dalam memenuhi kewajibannya pada pihak ketiga dengan mengandalkan surat berharga yang dimiliki bank. Hal ini terjadi karena apabila IPR meningkat, berarti telah terjadi peningkatan surat berharga yang dimiliki bank dengan persentase lebih besar dibandingkan persentase peningkatan total dana pihak ketiga.
Sign-in/Register to view highlights & summary Talk to us
Join us for a 30 min session where you can share your feedback and ask us any queries you have
Schedule a callDisclaimer: All third-party content on this website/platform is and will remain the property of their respective owners and is provided on "as is" basis without any warranties, express or implied. Use of third-party content does not indicate any affiliation, sponsorship with or endorsement by them. Any references to third-party content is to identify the corresponding services and shall be considered fair use under The CopyrightLaw.
