PENGARUH BlAYA OPERASlONAL PENDAPATAN OPERASlONAL DAN LlKUlDlTAS TERHADAP PROFlTABILITAS DlMEDlASI OLEH CAPlTAL ADEQUACY RATlO PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR Dl BURSA EFEK lNDONESlA TAHUN 2014 - 2018

Abstract

The purpose of this study is to examine and analyze the effect of operating costs on operating income (BOPO) and LDR on the Capital Adequacy Ratio (CAR), to determine the effect of operating costs on operating income (BOPO) and LDR on profitability, to determine the effect of Capital Adequacy Ratio (CAR). on profitability, as well as knowing the effect of operating costs-onal operating income (BOPO) and LDR on profitability mediated by the Capital Adequacy Ratio (CAR) in Banking Companies Listed on the Indonesia Stock Exchange 2014-2018. The results of the study found that OEOI has a negative effect on CAR, Loan to deposit ratio (LDR) has a positive and significant effect on CAR, BOPO has a negative and significant effect on (ROA), LDR has a positive and significant effect on ROA, CAR has a positive and significant effect on ROA. The results of the mediation test that have been carried out show that CAR can mediate the effect of BOPO on ROA. The results of the mediation test that have been carried out show that CAR cannot mediate the effect of LDR on ROA, but LDR only has a direct effect on profitability (ROA) in banking companies listed on the Indonesia Stock Exchange.