CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL) DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO) YANG BERIMPLIKASI TERHADAP RETURN ON ASSET (ROA) PADA PT. BANK RAKYAT INDONESIA (PERSERO), TBK

The aims of this study are to analyze the effect of Capital Adequacy Ratio (CAR),Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) and OperationalEfficiency Ratio (OER/BOPO) on Return on Assets (ROA) at PT. Bank RakyatIndonesia (Persero), Tbk. This study was taken because there are still differencesbetween the research studies with each other. This research was conducted usingsecondary data. Variables used in this study were, Return on Assets (ROA) as thedependent variable and the Capital Adequacy Ratio (CAR), Loan to Deposit Ratio(LDR), Non Performing Loan (NPL) and Operational Efficiency Ratio(OER/BOPO) as an independent variable. The analysis method used is multiplelinear regression analysis, previously performed classical assumptions test thatincluded normality test, multicollinearity test, heteroscedasticity test, andautocorrelation test. And then the latter using multiple correlation analysis,determination analysis, t-test and F-test for hypothesis testing. The results of thisstudy showed that, partially and simultaneously Capital Adequacy Ratio (CAR),Loan to Deposit Ratio (LDR), Non Performing Loan (NPL) and OperationalEfficiency Ratio (OER/BOPO) has significant effect on Return on Assets (ROA).Prediction capability from these four variables toward Return on Assets (ROA) is72.90%, where the balance 27.10% is affected to other factor which was not to beentered to research model.Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational Efficiency Ratio (OER/BOPO) and Return on Assets (ROA).