Abstract :
Economic plays an important role in every country. Good economic system could be created if supported by solid, health, and profitable banking system. Profitability describes the effectiveness level of using fund in banking. Profitability in bank supported by core business bank which is collecting fund and channeled back to citizen in the form of credit, it showed by LDR (loan deposit ratio). In a ways to increase profitability, banking limited by capital adequacy ratio. The object of this research is Bank BUMN which categorize to Bank Jangkar.
This research has a purpose to analyze the influence of CAR and LDR to ROA of Bank BUMN. The collected data was the financial report quarterly from 3 BUMN Bank that taken as samples of the research. While the method used to analyze the data was the linear regression method with F and t test. From the analyzing result of the method can be concluded that Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) has significant influence to banking profitability which showed by ROA both simultaneously and partially.
Keywords: Profitability Ratio, Loan to Deposit Ratio, Capital Adequacy Ratio..