PENGARUH CAPITAL ADEQUACY RATIO ,NON PERFORMING LOAN DAN LOAN TO DEPOSIT RATIO TERHADAP TINGKAT PROFITABILITAS PADA BANK UMUM YANG TERDAFTAR DI BURSA EFEK INDONESIA

Quoted from the news in February 2013 yesterday, that profit growth or profitability more credit growth slowed down in the appeal. The profit slowdown caused by the decline in loan growth. On the other hand, banks face a decrease in the level of net interest margin (NIM), due to an increase in the cost of funds (cost of fund). Return On Assets is used to measure the profitability of the bank as Bank Indonesia as a banking supervisor and Builder prefer value profitability, measured by assets that Fund most of the Community Fund. This research aims to examine whether there is influence between the Capitaln Adequacy Ratio, Non- Performing Loan and Loan to Deposit Ratio of Profitability (ROA). A sample of this research using commercial banks listed on the stock exchange -- indonesia.periode 2011 2013. Total population of commercial banks obtained from Indonesian stock exchange websites and pengamblan technique using purposive sampling. A population of commercial banks obtained from website the indonesia stock exchange. The kind of data this research is data secondary namely data obtained indirectly via intermediaries media. This research technique using computer program SPSS version 20. Results from this study that the Capital Adequacy Ratio has no effect on profitability, non-performing loans have a significant effect on profitability and loan to deposit ratio has no effect on profitability. Limitations of this study is In tabulating the data researchers choose to calculate it yourself and In this study the variables Good Corporate Governance is not used because of the Good Corporate Governance report most with separate research Annual Report focuses on the Annual hassle, then Good Corporate Governance variables not used. suggestions for further research that would take a similar theme and would like to do more research, we recommend that you use a variable that refers to the regulation of Bank Indonesia concerning the Health level of Assessment System of commercial banks Keyword : Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, Profitabilit