PENGARUH CAPITAL ADEQUACY RATIO (CAR) TERHADAP RETURN ONASSET (ROA) (Kasus pada PT Bank Mandiri Tbk)

Abstract

Capital Adequacy Ratio of PT Bank Mandiri in 2008 was 15.72% and in 2009 was 15.55%. This indicates that the bank has a good CAR ratio, because it is still abuve 8%, despite a decline. While inprofitability position measured by Return On Asset, in 2008 Bank Mandiri reached 2.25% and in 2009 of 1.94%, there was a decrease in corpurate profitability. This study aims to know and analyze Capital Adequacy Ratio, Return On Asset, and the influence of Capital Adequacy Ratio to Return On Asset at Bank Mandiri Tbk Period 2003- 2009. Research method using descriptive Quantitative method, Data analysis using simple regression. The result of research that there is influence of CAR to ROA at PT Bank Mandiri Tbk period 2003-2009 although not significant. Influence between variables shows a positive relationship, so that any changes in CAR, ROA will increase. High  CAR will pruvide an opportunity to increase profitability because the fund   is used for  lending or channeling offunds in theform of credit so that the profit obtained by banks in theform of loan interest will increase.