ANALISIS PENGARUH DANA PIHAK KETIGA, BOPO, CAR DAN LDR TERHADAP KINERJA KEUANGAN PADA SEKTOR PERBANKAN YANG GO PUBLIC DI BURSA EFEK INDONESIA (BEI) (Periode 2005-2008)

Bambang Sudiyatno, Jati Suroso

Abstract


Various banks in the case of Indonesia, such as cases with Edi Tansil Bapindo which loss the state 1.3 trillion, the case of BNI Kebayoran Baru which loss the state 1.2 trillion, the case of undisbursed loan credit alias that is not withdrawn by the debtor amounting to Rp 474.23 trillion per April 2010. But in the first quarter of 2009 national banking conditions have shown signs of improvement, as seen in the increasing ratio of capital adequacy ratio above 17% and the average NPL is still quite manageable sebasar 3.9%. This condition is not expected to make the banking industry to loosen the spirit of credit, because after all the national, financial institutions still anticipating the possibility of continued volatility of global financial crisis. This study aims to analyze the influence of third party funds (TPF), the Operational Cost to Operational Expenses (BOPO), Capital Adequancy Ratio (CAR) and Loan to Deposit Ratio (LDR) on the financial performance of the banking sector, which went public in Indonesia Stock Exchange period 2005-2008. The research proves that not all of the variables used in this research have a significant effect on the financial performance. Where the variable influence of Third Party Funds (TPF), the Operational Cost to Operational Expenses (BOPO), Capital Adequancy Ratio (CAR), which proved to have a significant effect on the financial performance, while the loan to deposit ratio (LDR) no significant effect on financial performance at 5% confidence level.


Keywords: DPK, BOPO, CAR, LDR, ROA


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