Pengaruh Risiko Usaha Terhadap Profitabilitas Bank Umum Swasta Nasional Devisa

ROA is used to measure the effectiveness of the company in generating profits by utilizing its assets. So, ROA is the ratio between profit before tax to total assets by Bank Indonesia. The purpose of this study is to determine effect the independent variables LDR, IPR, NPL, APB, IRR, PDN, dan BOPO both simultaneously and partially have a significant effect on CAR and which variable is the most dominant effect on CAR. This study uses secondary data taken from financial statements from the first quarter of 2014 to the second quarter of 2019 at the Foreign National Private Commercial Banks. The sample consisted of Bukopin Bank, Woori Saudara 1906 Bank and Sinarmas Bank. Data is processed using SPSS Statistics 2.1 for windows and F test to see the effect concurrently and t test to see the effect partially. The results show that LDR, IPR, NPL, APB, IRR, PDN, dan BOPO simultaneously have a significant effect on CAR. IPR and PDN partially has a unsignificant negative effect on CAR. NPL partially has a negative significant effect on CAR. IRR and partially has a posittive significant effect on CAR. LDR, APB, BOPO partially has a unsignificant posittive effect on CAR. The most dominant is the IRR of 18,6624 percent. Keywords: Liquidity Risk, Market Risk, Credit Risk, Operational Risk, and Capita