The Influence of Capital Adequacy Ratio (Car), Loan to Deposit Ratio (Ldr) and Operational Costs of Operational Income (Bopo) On Profitability at Pt. Bank Negara Indonesia (Persero) Tbk

Abstract

This study was conducted to examine the effect of the variable Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Operational Cost of Operational Income (BOPO) on the Profitability of PT. Bank Negara Indonesia (Persero) Tbk. The period used in this study amounted to 7 years, starting from 2012 to 2018. This research was obtained through secondary data sourced from PT. Bank Negara Indonesia (Persero) Tbk. This study uses the documentation method obtained from financial statements published on the official website of PT. Bank Negara Indonesia (Persero) Tbk, which is www.bni.co.id. The analysis technique used is multiple linear regression. The results showed that CAR, LDR and BOPO simultaneously had an effect on profitability. CAR had no significant positive effect on profitability, LDR had an effect on positive and significant towards profitability and BOPO has a negative effect and significant for profitability.