Pengaruh Capital Adequacy Ratio, Biaya Operasional Terhadap Pendapatan Operasional, dan Loan to Deposit Ratio Terhadap Return On Asset (Studi Empiris Sub Sektor Perbankan yang Terdaftar di BEI Tahun 2015-2018)

This study aims to examine the effect of Capital Adequacy Ratio, Operational Cost on Operating Income, and Loan to Deposit Ratio to the Return On Asset both partially and simultaneously on banks registered on the Indonesia Stock Exchange in 2015-2018. The sample of this study were 31 companies consisting of 29 conventional banks and two Islamic banks. This type of research data is panel data. The source of research data comes from secondary data obtained from the official website of the Indonesia Stock Exchange (www.idx.co.id). Data collection uses the literature study method. Research analysis techniques include panel regression analysis with the Fixed Effect Model, hypothesis testing, and the coefficient of determination (R2). The results showed that partially the Capital Adequacy Ratio had a negative and significant effect on Return on Assets, Operating Costs on Operating Income had a negative and significant effect on Return on Assets, and Loan to Deposit Ratio had no effect on Return On Assets. Simultaneously, Capital Adequacy Ratio, Operating Costs to Operating Income, and Loan to Deposit Ratio, have a significant effect on Return On Assets. Banks that have the highest Return On Assets value are Bank BTPN Tbk and the lowest Return On Assets are owned by Bank J Trust Indonesia Tbk