PENGARUH CAPITAL ADEQUACY RATIO, KUALITAS AKTIVA PRODUKTIF, NON PERFORMING LOAN, NET INTEREST MARGIN, DAN LOAN TO DEPOSIT RATIO TERHADAP KINERJA KEUANGAN BANK PEMERINTAH DAERAH

The purpose of this research is to get empirical evidence of the influance of Capital Adequacy Ratio (CAR), Productive Asset Quality (KAP), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR) to regional government bank financial performance. The dependent variable in this research is financial performance which is measured using Return on Asset (ROA). The independent variables are Capital Adequacy Ratio (CAR), Productive Asset Quality (KAP), Non Performing Loan (NPL), Net Interest Margin (NIM), and Loan to Deposit Ratio (LDR). The sample of this research was 8 Regional Development Banks (BPD) in Sumatera on the base of 4 years quarterly financial report data in 2013-2016. The method of data collection uses purposive sampling technique. The analytical method in this research uses multiple linear regression analysis through Eviews Program 9th version. The results of this research indicate that CAR and NPL does not affect the financial performance of regional government banks, KAP has a negative effect on the financial performance of regional government banks, NIM has a positive effect on financial performance of regional government banks, LDR has a negative effect on the performance of regional government banks.