Effect of Capital Adequacy Ratio (CAR), Operational Costs (BOPO) on Return on Asset (ROA) Through Operational Income and Loan Deposit Ratio (LDR) in Bank Market City Bogor, Indonesia

Abstract

This study aims to recognize the influence of Capital Adequaci Ratio (Car), Operational Cost (bopo) to Return on Asset (Roa) through Operating Income and Loan Deposit Ratio (Ldr) at Bogor City Market Bank. Population and sample of research is financial performance of PD BPR Bank Market Bogor City  in the form of CAR, BOPO, and LDR Input of data used arranged in semesteran. Objects observed are the BPR PD Bank Financial Statements of the City Market period of 2010 - Year 2015. Analysis techniques used to use description and path analysis with SPSS analysis tool.

The results showed that there is a positive and significant effect of CAR and LDR on ROA and there is a negative influence between BOPO on ROA partially. CAR, BOPO, and LDR simultaneously have a significant effect on ROA.