Pengaruh Dana Pihak Ketiga, Kecukupan Modal Dan Risiko Kredit Terhadap Profitabilitas (Perusahaan Perbankan yang Terdaftar di BEI)

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 banking company listed on the Indonesia Stock Exchange (IDX).

This type of research is research into the causative. The population in this research is the banking company registered in BEI in 2009 until 2011. While the sample was determined by the purposive sampling method to obtain a sample of 28 companies.Types of data used is secondary data obtained from www.idx.co.id. The method of analysis used is multiple regression analysis.

Based on the results of multiple regression analysis with a significance level of 5%, the results of the study concluded: (1) third-party funds not affect the profitability with the level of significance 0,003 < 0.0, so H1 rejected. (2) capital adequacy not affect the profitability with the level of significance 0,070 > 0.05, so H2 rejected. (3) thecredit risk impact on profitability with the level of significance 0,017 < 0.05,so H3 accepted.

Based on the above results, it is suggested: (1) for the candidate who will do the invetor's investment banking company, the results of this research are expected to serve as a consideration in investment decisions. (2) on behalf of the bank should be more intensive monitoring of the movement of NPL, so that its value does not violate the provisions of Bank Indonesia set so it won't be bad for profitability.  (3) For the next researcher is expected to add another possible independent variables can affect the profitability that can be generated by the banking company.

Keywords :Third-Party Funds, Capital Adequacy, Capital Adequacy Ratio (CAR), Credit Risk, NonPerforming Loan (NPL), Profitability, Return On Assets