摘要：The purpose of this research is to determine the influence of Return On Asset (ROA) and Capital Adequacy Ratio (CAR) to non-performing loans (NPL) on the five Commercial Banks (State Owned Banks, Foreign Exchange Commercial Banks, Regional Development Banks, Joint Venture Banks and Foreign Owned Banks) in Indonesia during the period of 2007 to 2015. This research uses Panel data analysis model, that focuses on pooled EGLS method. Acoording to the research result, partially, variable of ROA has negative and significant influence to NPL, whereas variable of CAR has positive and significant influence to NPL. Furthermore, simultaneously, those two independent variables have significant influence to NPL.
其他摘要：ABSTRACT The purpose of this research is to determine the influence of Return On Asset (ROA) and Capital Adequacy Ratio (CAR) to non-performing loans (NPL) on the five Commercial Banks (State Owned Banks, Foreign Exchange Commercial Banks, Regional Development Banks, Joint Venture Banks and Foreign Owned Banks) in Indonesia during the period of 2007 to 2015. This research uses Panel data analysis model, that focuses on pooled EGLS method. Acoording to the research result, partially, variable of ROA has negative and significant influence to NPL, whereas variable of CAR has positive and significant influence to NPL. Furthermore, simultaneously, those two independent variables have significant influence to NPL.
关键词：Return On Asst; Capital Adequacy Ratio; Non-performing loans.
