Fundamental Factors and Capital Behavior of Banking in Indonesia

Capital has an important role in banking operations, addition to indicating the fulfillment of capital regulations also serves anticipate future risks. Studies ROA-mediated buffers are still rare. This study aims investigate return on assets as mediation influence loans total (LOTA) and non performing (NPL) buffers. is conducted by using path analysis research commercial banks owned government with observation period from 2015 2020. The existence interference, especially funding side, one characteristics company's bank. results showed that lota negatively affects ROA buffer while NPL positively buffer. In roa testing able mediate but not LOTA's engaruh against