ANALISIS PENGARUH CAR, DANA PIHAK KETIGA (DPK), NIM, dan LDR TERHADAP PROFITABILITAS PERBANKAN DENGAN LDR SEBAGAI VARIABEL INTERVENING

Abstract

The aim of this research is to identify and analyze the determinants of return on Assets (RO A ) in G eneral Banking of Indonesia in the period of 2010 – 2014. RO A is dependent variable in this research, as profitability indicator. There are three independent variables that used, which are Capital Adequacy Ratio (C AR ), Third Party Funds ( TPF ), N et Interest Margin (one year before) ( N IM t-1 ), and an intervening variable which is Loan to Deposit Ratio (LDR) . Sampling technique used is purposive sampling with criteria as General Banking in Indonesia who provide annual reports and traded on Indonesia Stock Exchange (IDX) during period 20 10 through 201 4 and forwarded to Bank Indonesia. Obtained by amount sampel as much 2 8 companies from 42 banking company in Indonesia 20 10 -201 4 period. Analyzed with Path Analysis technique. The data is analyzed using SPSS 2 0 program. The result of this study proving that TPF and NIMt_1 have positive relationship and statistically significant toward LDR. CAR has negative relationship and insignificant toward LDR. CAR and LDR have positive and significant relationship toward ROA. TPF has positive relationship and insignificant toward ROA. NIMt_1 has negative relationship and significant toward ROA. Then, TPF and NIMt_1 has significant relationship toward ROA mediated by LDR as intervening variable.

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