ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KINERJA KEUANGAN BANK PERKREDITAN RAKYAT KONVENSIONAL

This study aims to identify and analyze the influence rate ratio of the bank (liquidity and lending rate, the level of asset quality, capital adequacy and the level of operational efficiency) against financial performance (Return on Assets) Conventional Rural Banks in Yogyakarta in the period of June 2009 - April 2013. Samples in this research are all over the Conventional Rural Bank operating in the district and the city of Yogyakarta. This study uses panel data regression models with models of two-ways fixed-effect.
The result showed that the level of liquidity and distribution loan (Loan to Deposit Ratio) negatively affects but not significant on financial performance, the level of asset quality (non-performing loans) negatively and significantly affects the financial performance, the level of capital adequacy (Capital Adequacy Ratio) positively and significantly affects the financial performance, the level of operational efficiency (BOPO) negatively and significantly affects financial performance.

Keywords: Return on Assets, Loan to Deposit Ratio, Non-Performing Loans, Capital Adequacy Ratio and BOPO