ANALISIS PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, DAN BOPO TERHADAP RETURN ON ASSET DENGAN MEDIASI NET INTEREST MARGIN (Studi pada Industri Perbankan Umum di Indonesia yang Terdaftar di Bursa Efek Indonesia Tahun 2011-2015)

This study was conducted on the basis of the importance of making an assessment of financial performance, especially profitability of banking companies. The purpose of this study is to identify the factors that affect the profitability of banking companies listed on the Indonesia Stock Exchange Period Year 2011 to 2015.This research is done by using quantitative approach method. The dependent variable from the research is profitability with the proxy of return on asset (ROA) while the independent variables of research consist of Net Interest Margin, Non Performing Loan, Loan to Deposit Ratio and BOPO. The analysis technique used is multiple linear regression analysis.The results of the research analysis proved that simultaneously all independent variables proved to affect the ROA. Partial test results prove that independent variables affecting ROA include NIM, NPL and BOPO. The result of mediation test proves that NIM as interverning variable only able to mediate the influence of BOPO on ROA. The amount of contribution of all independent variables of research is only 39.2% so it is advisable for future research to determine other independent variables that may affect RO