PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN LOAN TO DEPOSIT RATIO (LDR) TERHADAP RETURN ON ASSETS (ROA), (STUDI PADA BANK UMUM GO PUBLIC YANG LISTING DI BURSA EFEK INDONESIA (BEI) PERIODE 2008 - 2011)

Henry Ocky Parsaoran, 2013: Effect of Capital Adequacy Ratio (CAR) and the Loan to Deposit Ratio of Return on Assets (ROA) (STUDY ON THE GO PUBLIC BANKS IN INDONESIA STOCK EXCHANGE LISTING (IDX) PERIOD 2008-2011) Bank health assessment conducted by Bank Indonesia, the central bank, among others, is the assessment of liquidity, capital assessment, and ability to achieve profitability (profit). Bank has an important role as a financial intermediary, ie, by collecting funds from the public and distributed back to the community in order to make profits, bank credit expansion where they created a credit risk that is not paid by borrowers that can affect the level of the bank's Return on Assets . The purpose of this study was to determine whether CAR and LDR have a significant impact on bank ROA either partially or jointly. The study population was all the banking sector companies listed on the Stock Exchange 2008 - 2011 with a sample of 22 companies. Simultaneous testing concluded that all independent variables affect the dependent variable at 5.5%. Partial test results show that there is one factor that does not affect the return on assets , the Loan to Deposit Ratio. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Return on Assets (ROA