Abstract :
This research aims to test the influence of third-party funds, variable capital
adequacy measured by capital adequacy ratio (CAR), and the credit risk is
measured by non performing loan (NPL), to the profitability (return on assets-
ROA) at Persero banking company. This research is using purposive sampling
technique to collect data population from financial reports State Owned
Commercial Bank 2013-2017. The data were analyzed by means of panel data
regression using the fixed effect model. Hypothesis testing uses t test, F test, and
coefficient of determination (R2). Partially three independent variables studied,
there are one independent variables that significantly influence the Return On
Asset namely: non performing loan (NPL). While two independent variable does
not affect the ROA is variable third-party funds (DPK) and capital adequacy ratio
CAR. Thus the hypothesis that DPK, CAR and NPL simultaneously direct and
significant impact on the ROA of 95,71%.
Keywords : Third-Party Funds, Capital Adequacy Ratio (CAR), Credit Risk (NPL)
and Profitability (ROA)
Penelitian ini bertujuan untuk menguji pengaruh dana pihak ketiga, kecukupan
modal diukur dengan capital adequacy ratio, dan risiko kredit diukur dengan non
performing loan terhadap profitabilitas (return on assets) pada perusahaan
perbankan Persero. Penelitian ini menggunakan teknik purposive sampling untuk
mengumpulkan data populasi dari laporan keuangan Bank Umum Milik Negara
2013-2017. Teknik analisis data menggunakan regresi data panel dengan model
fixed effect. Pengujian hipotesis menggunakan uji t, uji F, dan koefisien
determinasi (R2). Secara parsial dari tiga variabel independen yang diteliti, ada 1
variabel independen yang berpengaruh signifikan terhadap return on asset yaitu
non performing loan (NPL). Sedangkan 2 variabel independen tidak berpengaruh
terhadap return on asset yaitu variable dana pihak ketiga (DPK) dan capital
adequacy ratio (CAR). Dengan demikian hipotesis yang menyatakan bahwa DPK,
CAR dan NPL secara simultan berpengaruh langsung dan signifikan terhadap
Return On Asset sebesar 95,71%.
Kata Kunci : Dana Pihak Ketiga (DPK), Kecukupan Modal (CAR), Risiko Kredit
(NPL). dan Profitabilitas (ROA)