Abstract :
In theory, there are some indicators that can affect the profitability of
PNPM Mandiri . These indicators are LAR , NPL , ROA, CCR , and total KSM .
This research purpose to analyze whether LAR , NPL , ROA, CCR , and total
KSM either jointly or individually have a significant impact toward ROA of
PNPM Mandiri in Sidoarjo district . The selected sample in this research were all
classified as Urban PNPM Mandiri in Sidoarjo district , consist of 15 subdistricts .
Methods of collecting data are using secondary data , where the data obtained
from the financial statements of Urban PNPM Mandiriin sidoarjo district, period
October 2012 to November 2013. Data analysis technique used is multiple linear
regression analysis .
Based on calculation from the results if the data using SPSS 11.5 ,
showed that LAR , NPL , ROA, and total CCR KSM together have a significant
impact toward ROA of PNPM Mandiri in Sidoarjo district. LAR and CCR has a
partial negative impacts that are not significant toward ROA of PNPM Mandiri in
Sidoarjo district . But, partially NPL and ROA has a significant negative impact
toward ROA of PNPM Mandiri in Sidoarjo district . While total KSM partially
has no significant positive impact
Keywords : LAR, NPL, BOPO, CCR, and Total KSM toward ROA