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ABSTRACT
EMILIA RAFAEL NDORE. Financial Ratio analysis of profitability (Comperative
study on the BUSN foreign exchange and the BUSN Non foreign exchange in
Indonesia 2009-2013 period). (Mentored by Sapto Jumono).
The thesis is compiled with the aim to find out whether or not a connection between
the independent variable and dependent variable in partial.
The independent variable in this study is the NPL, Credit/TA, SIZE, LDR, NIM/TA,
TETA, IEPO, Non IEPO, POTA, Dummy 1 (the BUSN foreign exchange), Dummy 0
(the BUSN Non foreign exchange). And the dependent variable is ROA. Data
researched is the annual data or report (per December 31st) from the years 2009 to
2013.
The samples of this study was the banking industry BUSN foreign exchange and
BUSN Non foreign exchange that meet criteria a purposive sampling. It resulted 52
companies consisted of 31 BUSN’s foreign exchange and 21 BUSN’s Non foreign
exchange companies is listed in the Banking Directory Indonesia. The methods of
data analysis is use panel data model’s.
The result of Fixed Effect GLS’s test showed that the factors are affected ROA in
bank BUSN’s foreign exchange and BUSN’s Non foreign exchange, significantly are
(1) NPL, (2) Credit/TA, (3) SIZE, (4) NIM/TA, (5) IEPO, and (6) Non IEPO. And the
other variables are not affected the dependent variable ROA’s.
Keywords : Financial Performance , Non Performing Loan (NPL), Credit/TA,
SIZE ( Ln TA), Loan to Deposit Ratio (LDR), Net Interest Margin per Total Aset
(NIM/TA), Total Ekuitas (TETA), Interest Expense (IEPO), Overhead Cost
(Non IEPO), Asset Utilization (POTA), Dummy 1 (the BUSN foreign exchange),
Dummy 0 (the BUSN Non foreign exchange), and Return on Asset (ROA).
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