THE ANALYSIS OF CREDIT RISK EFFECT ON BANK’S PROFITABILITY AT PT. BANK CENTRAL ASIA, Tbk

Twike Elfira Rosanti

Abstract


The purpose of this study are 1) To describe the ratio of CAR, LDR,
BOPO and NPL have an effect on bank profitability either partially or
simultaneously at PT. Bank Central Asia, Tbk 2) To describe the
dominant factor affect bank profitability at PT. Bank Central Asia, Tbk.
The type of research conducted is explanatory research (explanation) ie
the researcher explains the causal relationship between the variables
through hypothesis testing. Techniques used in collecting data is done
through documentation. Data analysis methods to determine the effect
of CAR, LDR, BOPO and NPL ratio to bank profitability either partially or
simultaneously at PT. Bank Central Asia, Tbk is used multiple regression
method with data panel model and as data processing tool using Eviews
7 program.Based on the results of research and discussion that has been done
then can be drawn conclusion as follows: 1) Ratio of CAR, LDR, BOPO
and NPL have an effect on bank profitability either partially or simultan
at PT. Bank Central Asia, Tbk. 2) Based on the analysis results can be
seen that the CAR has a regression coefficient of 0.409551, LDR of
0.144030, BOPO of 0.144030 and NPL of 0.103040. Based on the
results of the comparison shows that CAR has the greatest influence
on bank profitability at PT. Bank Central Asia, Tbk.

  Keywords: CAR, LDR, BOPO, NPL, and PROFITABILITY BANK


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