Abstract:
The objective of this research is to know the influence of bank internal factors to
profitabilitas of banking that go public in Indonesia. This research use bank internal
factors as independent variable and profitabilitas ( ROA ) as dependent variable.
Bank internal factors measured by third party fund ( X1 ), Non Performing Loan ( X2
), Capital Adequacy Ratio ( X3 ) and Credit Expansion ( X4 ).
In this case, the research uses bank’s annual reports which are listed in Indonesia
Stock Exchange in 2006 until 2010. Sampling technique which is used is purposive
sampling method and result 15 samples from 40 banks with observation period from
2006 until 2010. The analysis method used statistical method which is double linear
regression, t test and F test. T test is used to analysis the partial influence of
independent variable to dependent variable. F test is used to analysis simultaneous of
independent variable to dependent variable.
The result of this research shows that third party fund and capital adequacy ratio
have positive and significant influence to profitabilitas ( ROA ). Third party fund it
shows from t arithmethic > t table ( 3,122 > 1,99 ) and capital adequacy ratio ( 3,926
> 1,99 ). Non performing loan ( NPL ) and credit expansion have negative and not
significant influence to profitabilitas, it shows from t aritmethic < t table. Non
performing loan ( -1,924 < -1,99 ) and with signification 0,058 > 0,05 and the credit
expansion ( 0,463 < 1,99 ) and with signification 0,645 > 0,05. From the analysis
result, can conclusion that third party fund, non performing loan, capital adequacy
ratio and credit expansion have simultaneous influence to profitabilitas
