ANALISIS PENGARUH KECUKUPAN MODAL, EFISIENSI OPERASIONAL, LIKUIDITAS, KUALITAS ASET DAN UKURAN TERHADAP PROFITABILITAS BANK DENGAN JENIS BANK SEBAGAI VARIABEL MODERASI

The banking industry still holds a dominant role in the financial system in Indonesia, it is caused by the existence banking world are associated with activity in the real sector, so that the condition of the banking sector will greatly affect other economic sectors. The existence of the banking sector in Indonesia, both domestic banks (state - owned banks, local governments and private - owned national), joint venture banks and foreign bank is interesting to observe. Achievement and the condition of a bank will be largely determined by the performance of the bank, in terms of success in raising funds from the public and distributing funds (credit) to the public. In this study, carried out further tests on bank performance through the influence of financial ratios of banks are proxied into the ratio of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non - Performance Loan (NPL) ratio of operating expenses to operating income ratio (ROA) and Total Assets (Size) as the independent variable and the Return on Assets (ROA) as the d ependent variable, with the type of bank (Commercial Bank Business Groups 1 and 2) as a moderating variable The technique of analysis in this study using two analytical techniques. To complete the first equation using multiple linear regression (multiple l inear regression) and the second regression moderation (moderated regression analysis). The results showed that: 1. Capital adequacy, operating efficiency, liquidity, asset quality, and the size of the company, significant negative effect on profitability. 2. Ty pe the banks do not moderate the effect of capital adequacy, liquidity, asset quality and the level of profitability. 3. Type banks moderating influence operational efficiency and the size of the company the level of profitability. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Non - Performance Loan (NPL) ratio of operating expenses to operating income ratio (ROA) and Total Assets (Size) as the independent variable and the Return on Assets (ROA) , profitability, moderatio