PENGARUH LDR, CAR, BOPO DAN NPL TERHADAP RETURN ON ASSETS (ROA)PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2018

Effect of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), OperationalCosts / Operating Income (BOPO) and Non Performing Loans (NPL), on Return onAssets (ROA) on banking companies listed on the IDX period 2016-2018.This study aims to determine how much influence the Loan to Deposit Ratio(LDR), Capital Adequacy Ratio (CAR), Operational Costs / Operating Income (BOPO),and Non Performing Loans (NPL), on Return on Assets (ROA) in banking companieslisted on the IDX. The independent variables in this study are Loan to Deposit Ratio(LDR), Capital Adequacy Ratio (CAR), Operational Costs / Operating Income (BOPO),and Non Performing Loans (NPL), the dependent variable is Return on Assets (ROA).The population of this study is all banks listed on the Stock Exchange in the 2016-2018period. Then 27 banking companies with the last 3 years used in this study were 81samples listed on the Indonesia Stock Exchange in the 2016-2018 period. Dataobtained using multiple linear regression analysis techniques with computer aids thatuse the SPSS program. 23 for windows.The results obtained by multiple linear regression equation, namely: Ln_ROA =16.903 + (-0.133) + (-0.035) + (-3.539) + (-0.030). The partial research resultsshow that the LDR variable does not significantly influence ROA with a significant valueof 0.393> 0.05, the CAR variable has no significant effect on ROA with a significantvalue of 0.827> 0.05, BOPO has a significant effect onROA with a significant value of 0,000 <0.05 and NPL no significant effect on ROAwith a significant value of 0.721> 0.05. The coefficient of determination shows 0.878which means that the independent variables (LDR, CAR, BOPO and NPL) influence thedependent variable (ROA) of 87.8%, while the remaining 12.2% is influenced by otherfactors not included in this study. Based on simultaneous tests that Fcount is 50.381>Ftable is 2.71 with a significant level of 0.000 <0.05, it can be concluded that thevariable Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), OperationalCosts / Operational Income (BOPO) ) and Non Performing Loans (NPL) jointly affectReturn on Assets (ROA)