The Influence of LDR, DPK, and NPL on ROA through CAR as Intervening Variable (Study on Conventional Bank Sub Sector Company 2012-2016 listed in BEI)

Abstract

This study aims to identify and analyze the effect of LDR, DPK, and NPL on ROA through CAR as intervening variable at conventional bank period 2012-2015. Sampling technique is purposive sampling with certain criterion, that is bank registered in BEI period 2012 - 2016, so there are seven data as a sample of forty three banks in Indonesia. The results showed that LDR did not have a significant positive effect on CAR. Third Party Funds (DPK) proved to have a significant negative impact on CAR. Non Performing Loan (NPL) has no significant positive effect on CAR. LDR has no significant positive effect on ROA. DPK has no significant effect on profitability (ROA). NPL has no significant positive effect on profitability (ROA). CAR can be an intervening variable ROA with profitability. And CAR can be an intervening variable with profitability
Keywords: ROA, CAR, DPK, NPL, LDR