ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012

ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012

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This research is performed on order to test analysis the influence of the Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) and Operational Efficiency Ratio (OER) toward Return On Asset (ROA) On Foreign Exchange Banks In Indonesia Period 2010-2012.Methodology research as the sample used purposive sampling, sample was accrued from foreign banks in hbl5266ca Indonesia.Data analysis with multi linear regression of ordinary least square and hypotheses test used t-statistic and F statistic, a classic assumption examination to test the hypotheses.

Based on normality test, multicolinearity test, heterosskedasticity test and auto correlation test were not found variables that deviate from the classical assumptions, this indicate that the available data has fulfill the condition to use multi linear regression model.This result of harry potter magsafe case research show that variable LDR and NPL partially have positive influence but not significant toward ROA.Variable OERpartially have negative significant influence toward ROA.

Variable LDR, NPL and OER simultaneously have significant influence toward ROA.