ANALISIS PENGARUH CAR, NPL, BOPO, NIM, DAN LDR TERHADAP ROA PT. BANK SULSELBAR PERIODE 2001-2010

Abstract

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), the Non
Performing Loan (NPL), Net Interest Margin, BOPO (NIM) and Loan to Deposit Ratio
(LDR) towards Return On Assets (ROA) of PT. Bank Sulselbar the period 2001-2010. The
results showed that the variable CAR and NIM positive effect against ROA, while the
NPL, NIM and influential BOPO negative against ROA. Then the five variables
simultaneously affect a variable is bound (ROA).
Strategies for keeping consistency CAR: (1) maintaining credit quality, (2) purchase
of shares, (3) deposit additional capital for the company's operations, (4) Perform right
issue, (5) conversion of profits/retained earnings into a capital and delaying the Division
of bonuses and dividends. How to lose as well as maintain the NPL: (1) did the principle
of prudence in every channeling credit, (2) more intensive charging to the debtor, (3) a
debt restructuring Offer, (4) the Himura Kenshin Performs warranty and sell the
collateral, (5) withdrawals capital reserves of banks, (6) improving the quality of credit
analysis. To maintain quality BOPO, then operational efficiency in absolutely should be
kept. To improve the NIM: (1) to reproduce the distribution of productive sector credit,
(2) Provide high interest rates on consumer credit as well as being at high risk, (3)
maintain the credit quality. And Lastly, to maintain the stability of LDR: (1) expansion of
credit, (2) increase the value of third party funds, (3) maintain the composition between
channeling credits and gathering together the funds (were in the range of 80 – 100%)