ANALYSING THE INFLUENCE OF CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, AND NON PERFORMING LOAN TOWARD RETURN OF ASSET OF STATE OWNED BANKS FOR THE PERIOD OF 2008 UNTIL 2012

Abstract

The purpose of this study was to analyze the influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) , Non Performing Loan (NPL) of the Return on Assets (ROA) which is a government-owned bank . This study used data from a government-owned bank that issued financial statements Quarter 2008 until 2012. The samples used are 3 state-owned banks in Indonesia were taken by purposive sampling . The analysis technique used is the result of multiple linear regression analysis showed that the variables. CAR and LDR has a positive case and variable NPL , although NPL has a negative coefficient , also CAR and NPL significant effect on ROA , although LDR does not have a significant effect on ROA . The predictive capacity of the three independent variables on ROA is 79 % and is indicated by the value of adjusted R2, the remaining 21 % is influenced by other variables outside the model .