ANALISIS FAKTOR - FAKTOR YANG BERPENGARUH TERHADAP CAPITAL ADEQUACY RATIO

METYRIA IMELDA HUTABARAT; EDY FIRMANSYAH; NIRWANA DEWI HARAHAP

METYRIA IMELDA HUTABARAT STIE ITMI
EDY FIRMANSYAH STIE ITMI
NIRWANA DEWI HARAHAP STIE ITMI

Keywords: Loan To Deposit Ratio (LDR), Net Interest Margin (NIM), Profitability (ROA), Capital Adequacy Ratio (CAR)

Abstract

The purpose of this empirical research is to analyze whether the influence of Loan to Deposit Ratio (LDR), Net Interest
Margin (NIM) and Return on Asset (ROA) toward Capital Adequacy Ratio (CAR). This study uses method probability
sampling that met criteria of the research. The research period is taken for 4 years starting from 2015 to 2018. Data
collection in this research uses secondary data in the form of data collecting from the annual bank financial statement
published on the Indonesia Stock Exchange and by each state-owned bank. The analytical method using multiple linear
regression. The results show that LDR has a positive but not significantly effect toward CAR, NIM significant positive effect
toward CAR and ROA positive but not significantly effect toward CAR.