@article{Hamidah_Siallagan_Mardiyati_2017, title={ANALISIS PENGARUH LDR, NPL DAN OPERATIONAL EFFICIENCY RATIO TERHADAP RETURN ON ASSETS PADA BANK DEVISA DI INDONESIA PERIODE 2010-2012}, volume={5}, url={https://journal.unj.ac.id/unj/index.php/jrmsi/article/view/795}, abstractNote={<p><em>This research is performed on order to test</em><em> analysis </em><em>the influence of the </em><em>Loan to Deposit Ratio (LDR)</em><em>, Non Performing Loan (NPL)</em><em> and </em><em>Operational Efficiency Ratio (OER) toward </em><em>Return On Asset </em><em>(ROA</em><em>) On Foreign Exchange Banks In Indonesia Period 2010-2012. Methodology research as the sample used purposive sampling, sample</em><em>was accured </em><em>from</em><em>foreign banks</em><em> in Indonesia. Data analysis with multi liniear</em><em>regression of ordinary least square and hypotheses test used t-statistic and Fstatistic, a cla</em><em>s</em><em>sic assumption examination to test the hypotheses.</em><em>Based on </em><em>normality </em><em>test, multicolinearity test, heterosskedasticity test and</em><em>autocorrelation test </em><em>were n</em><em>ot found variables that deviate from the classical assumptions</em><em>, this indicate</em><em>that the available data has fulfill the condition to use multi linear regression</em><em>model. This result of research show that variable</em><em> LDR </em><em>and</em><em> NPL</em><em>partially have positive </em><em>influence </em><em>but not significant toward </em><em>ROA. Variable </em><em>OER</em><em>partially have </em><em>negative significant influence</em><em>toward ROA. Variable </em><em>LDR, </em><em>NPL and </em><em>OER simultaneously have significant influence </em><em>toward ROA. </em></p> <div id="articleAbstract"> <div> <p><em>Keywords: Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Operational Efficiency Ratio (OER) and Return On Asset (ROA)</em></p> </div> </div&gt;}, number={1}, journal={JRMSI - Jurnal Riset Manajemen Sains Indonesia}, author={Hamidah, Hamidah and Siallagan, Goldan Merion and Mardiyati, Umi}, year={2017}, month={Apr.}, pages={62-83} }