PENGARUH RASIO CAR, RASIO NPL DAN RASIO ROA DALAM MEMPREDIKSI KONDISI FINANCIAL DISTRESS PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

The purpose of this study was to identify the influence of CAR, NPL, ROA to prediction financial distress of banks, using logit model. The condition of financial distress happens before bancruptcy. The sample used in this research are bank companies that listed in Indonesian Stock Exchange (ISE) in 2010-20,. which using purposive sampling approach to selected sample. Hypotheses were tested using logistic regression. The results showed that the influence of independent variable to financial distress prediction is 72% while the rest can be explained by other variables. NPL and ROA are significant influence to prediction financial distress of bank that listed in Indonesia Stock Exchange (ISE). Keywords : financial distress, CAR ratio, NPL ratio, ROA ratio, logistic regressio