This study, entitled Analysis Of Non-Performing Loan, Ratio With Operating Income Operating Costs And Loan To Deposit Ratio Of Return On Equity Consequential Capital Adequacy Ratio (Empirical Study on Commercial Banks Listed in Indonesia Stock Exchange Period 2008-2013), aims to analyze and establish the concept of the theory of capital adequacy of credit risk hypothesis in perspective, efficiency ratios, liquidity ratios and profitability.

The sample in this study is a commercial bank in Indonesia, which is listed on the Stock Exchange 2008-2013. This research , there is one dependent variable is Capital Adequacy Ratio (CAR), and four independent variables, namely the Non -Performing Loan (NPL), operating expenses with operating income (ROA), Loan-To- Deposit Ratio (LDR) and Return On Equity (ROE) . The total sample of 18 commercial banks . Test the feasibility of the model (fit) using the F test and the coefficient of determination . Include the classical assumption of normality (test kolmogoriv smirno and graphs) , autocorrelation (durbin watson), multicollinearity (VIF) and heterokedastisitas (glejser test and scatter plots). Data analysis tool used is multiple linear regression , t test and test mediation.


Keyword : Non Performing Loan (NPL), Biaya Operasional Dengan Pendapatan Operasional (BOPO), Loan To Deposit Ratio (LDR), Return On Equity (ROE), Capital Adequacy Ratio (CAR)