The influence Analysis of CAR, OER and LDR to ROA using Panel Data Regression Model (Case Study On Commercial Banks listed on the Indonesia Stock Exchange Period 2008-2011)
The influence Analysis of CAR, OER and LDR to ROA using Panel Data Regression Model (Case Study On Commercial Banks listed on the Indonesia Stock Exchange Period 2008-2011)
Author : IRNI YUNITA Published on : International Conference in Organization Innovation (ICOI) 2014 (De La Salle University- Philippines)
Abstract
This study aimed to examine the effect of the Capital Adequacy Ratio (CAR), Ratio of Operating Expenses to Operating Revenue (OER), and the Loan to Deposit Ratio (LDR) on Return On Asstes (ROA). The sample of this study is a commercial bank listed on the Indonesia Stock Exchange LQ45 during the period 2008-2011 were taken by purposive sampling. The analytical method used in this research is panel data regression analysis using a fixed effect model. Based on the results of research, resulted in the regression equation . Regression model adjusted R2 value of 0.7649. This suggests that the major effect of variable CAR, ROA and LDR on ROA at 76.49% of the value seen Rsquare. While the rest of 23,51% is influenced by other variables. From the test results showed that the ratio of the partial hypothesis for OER is affectly significant on ROA, while CAR and LDR has no partial effect on ROA. From the results of simultaneous hypothesis testing showed the CAR, ROA and LDR are affectly significant on ROA.
