FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

The purpose of this research is to examine the influence of Capital Adequacy Ratio(CAR), Quality of ProductiveAssets (KAP), Operating Expenses to Operating Profit (BOPO), Loan to Deposit Ratio (LDR), Quick Ratio (QR),Credit toward Profitability (ROA).The population are banking companies which registered in Indonesian Stock Exchange among the period of 2005until 2009, which there are 30 banks. The research sample are 15 banks, it was done by using purposivesampling method with criteria as banking who presenting and submitted annual report and banking whoproduce positive profit. Data analysis with multi linear regression of ordinary least square and hy potheses testused t-statistic and F-statistic at level of significance 5%, a classic assumption examination which consist of datanormality test, multicolinierity test, heteroskedasticity test and autocorrelation test is also being done to test thehypotheses.During research period show as variable and data research was normal distributed. Based on multicollinieritytest, heteroskedasticity test and autocorrelation test classic assumption deviation has not founded, this indicatethat the avaible data has fulfill the condition to use multi linear regression model. The result of this researchshowed that F-statistic, independent variable CAR, KAP, BOPO, LDR, QR, and credit have significant influence onReturn on Asset (ROA) of banking companies at level of significant less than 5% (0,0000), than the result of thisresearch showed that t-statistic, independent variable CAR, KAP, LDR, QR, and credit have significant influenceon ROA at level of significant less than 5% (0,0000; 0,0013 ; 0,0123; 0,0002; 0,0000), but BOPO have nosignificant influence on ROA at level of significant more than 5% (0,3091). Prediction capability from these sixvariable toward ROA is 58,93% where the balance (41,07%) is affected to other factor which was not to beentered to research model.Keywords : ROA, CAR, KAP, BOPO, LDR, QR, and Credi