Pengaruh Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), dan Biaya Operasional Pendapatan Operasional (BOPO) Terhadap Profitabilitas PT. BPR Sentral Arta Asia Periode 2010-2017

  • Muhammad Khoirudin STIE Widya Gama Lumajang
  • Neny Tri Indrianasari STIE Widya Gama Lumajang
  • Muhammad Mudhofar STIE Widya Gama Lumajang
Keywords: CAR, NIM, BOPO and Profitability

Abstract

This study aims to examine the influence of Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) and Operating Expenses / Operating Income (BOPO) to Profitability. Object of this research is PT. BPR Sentral Arta Asia year period 2010-2017. Data analysis tool used in this research is multiple regression. The analysis technique used in the form of statistical test F indicating whether all the independent variables included in the model have a mutual effect - similar to the dependent variable and the test statistic t that indicates how far the influence of the independent variables individually in explaining the variation of the dependent variable with a significant level of 5%. These results indicate that the Capital Adequacy Ratio positive but not significant effect on profitability, net interest margin and a significant positive effect on profitability and Operating Expenses/Operating Income and a significant negative effect on profitability. From the analysis it can be concluded that the Capital Adequacy Ratio, Net Interest Margin and Operating Expenses / Operating Income jointly simultaneous effect on the profitability of PT. BPR Sentral Arta Asia 2010-2017 period.

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Published
2019-06-27
Section
Articles