PENGARUH KINERJA KEUANGAN TERHADAP PROFITABILITAS BANK UMUM MILIK NEGARA (BUMN) DI INDONESIA

Profitability is one reference to measure the amount of profit or income to know whether the company has run its business efficiently. The purpose of this research is to know and explain the influence of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Operational Cost to Operating Income (BOPO) to Profitability as measured by Return On Assets (ROA) of Bank Umum Milik Negara in Indonesia. The analytical tool used is a combined panel data regression analysis method between the time series data of 2012-2016 and cross-section data 4 Bank Umum Milik Negara in Indonesia by using the Fixed Effect model. The results showed that the Loan to Deposit Ratio (LDR) had a positive and not significant effect on profitability (ROA), Capital Adequacy Ratio (CAR) had a negative and insignificant effect on profitability (ROA), and Operational Cost to Operating Income (BOPO) and significant to Profitability (ROA). There is a difference of Profitability (ROA) in all of the Commercial Banks during 2012-2016. The highest intercept is at Bank Rakyat Indonesia, while the lowest intercept is at Bank Negara Indonesia