Pengaruh Kredit Bermasalah dan Tingkat Kecukupan Modal terhadap Kinerja Keuangan pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia
This research aims to test the influence of bad debt as measured by the non-Performing Loan
(NPL), and capital adequacy levels as measured by the Capital Adequacy Ratio (CAR) against
the financial performance as measured by Return on Assets (ROA) at banking company listed on
the Indonesia stock exchange (idx). This research belongs to a causative research. The population in this research is the entire banking company registered in BEI years 2009 to 2011. While
the study sample is determined by metodepurposive sampling so that the retrieved sample
companies. Types of data used are secondary data obtained from www.idx.co.id. Methods of
analysis used is multiple regression analysis. Based on the results of a multiple regression
analysis with a level of significance of 5%, then the results of this research concluded:(I) the
simultaneous, Non-Performing Loan and Capital Adequacy Ratio have effect on the financial
performance (ROA) (2) Non Performing Loan has a negative influence and significantly to financial performance (3) Capital Adequacy Ratio significantly affect against the positive financial
Keywords: Bad Debt, The Level Of Capital Adequacy, Financial Performance
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