PENGARUH RESIKO KREDIT TERHADAP RENTABILITAS (ROA) PADA PT BANK NEGARA INDONESIA 46 (PERSERO) TBK.

The risk of credit is the ratio between troubled last balance with the total

assets. Where as ROA is the ratio that is invested in whole assets to produce

profit.

The research purpose is to detect the blooming of credit risk, blooming of

return on assets (ROA) and the influence of credit risk to return on assets at PT.

Bank Negara Indonesia 46 (Persero) Tbk. On this observation, writer used two

kind of variable. that is credit risk as Independent variable (x) and return on

assets (ROA) as dependent variable (y).

Writer used the descriptive and quantitative method. The sample in used is

money report like balance sheet and financial highlights for eight years from

1999 – 2006 at PT. Bank Negara Indonesia 46 (Persero) Tbk. Writer also used

statistics analysis, such as simple linier regression analysis, correlation analysis,

coefficient determination and hypothesis testing (t testing) with using SPSS 11.5

for windows software assistance.

From the observation result, it has showed us that the blooming of credit

risk and return on assets (ROA) is fluctuate. It show us that the credit risk can be

influence the return on assets (ROA). On the calculation was get the

determination coefficient (cd) = 85,38 %. It was explain to us that credit risk’s

effect to return on assets (ROA) is negative, inversely and the correlation is very

strong while on the hypothesis with used t testing, we got t count = -5,925 and t table

= -2,4469 where - t count > - t table. It explains that Ho is rejected and H1 is

accepted. It is meaning that credit risk is significant or it is influence the return on

assets (ROA) at PT. Bank Negara Indonesia 46 (Persero) Tbk.

Keyword : Credit risk and return on assets (ROA).