The test results showed that simultaneous CAR and NPL had on significant effect on ROA. The research using multiple linier regression analysis model, using data processing program PASW statistic 18. Rima Rachmawati Lecturer of Faculty Economy at Widyatama University-Indonesia Doctoral Student at Padjadjaran University E-mail :, mobile phone : +6281572997995Ībstract The Study will examine the effect of CAR an the level of NPL to ROA on the banks contained in ISE. 10th UBAYA INTERNATIONAL ANNUAL SYMPOSIUM ON MANAGEMENT EFFECT CAPITAL ADEQUANCY RATIO (CAR) AND NON PERFORMING LOAN (NPL) ON RETURN ON ASSET (ROA) BANKING IN INDONESIA (Survey on Indonesia Stock Exchange /IDX)
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