PENGARUH CAR, NIM, KAP, LDR, DAN INFLASI TERHADAP PERTUMBUHAN LABA PADA BANK UMUM SWASTA NASIONAL DEVISA YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2008 – 2013

Abstract

Banks play an important role in economic development and in maintaining smooth operation of payment systems and the effectiveness of monetary policy. Based on Bank Indonesia Regulation No. 15/7 / PBI / 2013, the understanding of the Bank is a business entity menhimpun betuk funds from the public in savings, and distribute them to the public in the form of loans or other forms, in order to improve the lives of man.

The purpose of this study was to analyze the influence of Capital Adequacy Ratio ( CAR ), Net Interest Margin ( NIM ), Assets Quality ( KAP ), Loan to Deposit Ratio ( LDR ), Inflation on Private Commercial Bank profit growth of the National Foreign Exchange listed on the Stock Exchange period 2008-2013. The independent variables in this study are the, Capital Adequacy Ratio ( CAR ), Net Interest Margin ( NIM ), Assets Quality ( KAP ), Loan to Deposit Ratio ( LDR ), Inflation and the dependent variable is profit growth.

The population in this study is a banking company Foreign Exchange National Private Banks in Indonesia are listed in Indonesia Stock Exchange Period 2008 - 2013 as many as 31 banks. Determining Appropriate Sample Research criteria above, the bank that meets the requirements as samples in this study were 24 banks which are all National Private Banks ( BUSN ) Foreign Exchange publish the complete financial statements for the period of study for the years of 2008 - 2013. The analysis tool used is Multiple Linear Regression.

The results showed that There is an effect Capital Adequacy Ratio ( CAR ) of the profit growth. This means that any increase in the Capital Adequacy Ratio ( CAR ) will affect profit growth. No effect on profit growth NIM. This means that any increase in NIM ) will not affect profit growth. There KAP effect on earnings growth. This means that any increase in the firm will affect profit growth. No effect of the Loan to Deposit Ratio ( LDR ) to the profit growth. This means that any increase in the loan to deposit ratio ( LDR ) will not affect earnings growth. No inflation effect on earnings growth. This means that any increase in  inflation will not affect profit growth.

Keywords : Capital Adequacy Ratio ( CAR ) , Net Interest Margin ( NIM ) , Assets Quality ( KAP ) , Loan to Deposit Ratio ( LDR ) , Inflation for profit growth