| dc.description.abstract | Trust is the key business of banking. The crisis of '98 caused customers'
trust in the bank to disappear and was marked by the withdrawal of massive
deposits (rush). To maintain customer confidence, banks must maintain and
maintain their health level. Bank health is a reflection of the bank's financial and
non-financial performance. According Syofyan (2003), profitability ratio is the
most appropriate indicator to measure the performance of a bank. according to
Bank Indonesia regulation No.6 / 10 / PBI / 2004, one way to assess the
soundness of banks is to use the CAMELS approach. In addition, bank
performance is also seen from the implementation of risk management. The
purpose of this research is to analyze the effect of CAR, NPL, LDR, BOPO, and
NIM partially on ROA at conventional commercial banks listed in IDX period
2011-2016 and analyze the role of ERM moderate CAR, NPL, LDR, BOPO, and
NIM against ROA at conventional commercial banks registered in IDX period
2011-2016.
This type of research is quantitative research. The data used in this
research is secondary data. The secondary data collection technique used in this
research is the collection of Bank Financial Statement data obtained from the
Financial Services Authority website. The object of this research is all banking
listed in BEI. The method used in the sample selection is purposive sampling so
that the sample is a conventional commercial bank that publishes its complete
financial data for 6 years ie the period December 31, 2011 to December 31, 2016.
Based on the criteria specified, then the number of samples for this study as many
as 30 sample. The analysis was done by using multiple regression analysis and
hypothesis test using t statistic test.
The results of this study indicate that the CAR has a negative effect and
NIM has a positive effect on ROA. ERM plays a role in weakening the CAR's
negative relationship to ROA and weakening the positive relationship of NIM to
ROA. While NPL, LDR, and BOPO have no effect on ROA. ERM does not play a
role in NPL, LDR, and BOPO relationships against ROA. | en_US |
