PENGARUH LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL), RETURN ON ASSET (ROA) DAN OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL(BOPO) TERHADAP CAPITAL ADEQUACY RATIO (CAR) (Studi Pada Bank Umum Swasta Nasional (BUSN) Devisa)

Abstract

ABSTRAK Tujuan penelitian ini adalah untuk menguji pengaruh rasio Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Asset (ROA) dan Beban Operasional Terhadap Pendapatan Operasional (BOPO) terhadap Capital Adequacy Ratio (CAR). Variabel independen penelitian ini adalah rasio Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Asset (ROA) dan Beban Operasional Terhadap Pendapatan Operasional (BOPO). Sedangkan untuk variabel dependen dalam penelitian ini adalah Capital Adequacy Ratio (CAR). Teknik analisis data yang digunakan adalah regresi linier berganda yang didahului dengan dilakukan pengujian terhadap uji asumsi klasik, kemudian analisis regresi dan uji model yang terdiri dari analisis koefisien determinasi, uji simultan (uji F) serta uji parsial (uji t) dengan menggunakan bantuan program SPSS 18.0. Setelah dilakukan pengolahan data, diketahui bahwa hasil uji hipotesis pertama (H1) memperoleh hasil Loan to Deposit Ratio (LDR) berpengaruh negatif signifikan terhadap Capital Adeuacy Ratio (CAR), hipotesis kedua (H2) memperoleh hasil bahwa Non Performing Loan (NPL) berpengaruh positif tidak signifikan terhadap Capital Adeuacy Ratio (CAR), hipotesis ketiga (H3) memperoleh hasil bahwa Return On Asset (ROA) berpengaruh negatif tidak signifikan terhadap Capital Adeuacy Ratio (CAR) dan hipotesis keempat (H4) memperoleh hasil bahwa Beban Operasional Terhadap Pendapatan Operasional (BOPO) berpengaruh negatif sihnifikan terhadap Capital Adeuacy Ratio (CAR).
Kata Kunci : Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Asset (ROA), Beban Operasional Terhadap Pendapatan Operasional (BOPO) dan Capital Adeuacy Ratio (CAR).

ABSTRACT The Purpose This research is to test effect of the ratio Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Asset (ROA) and Beban Operasional Terhadap Pendapatan Operasional (BOPO) to Capital Adequacy Ratio (CAR). Independent variables this research are Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Asset (ROA) and Beban Operasional Terhadap Pendapatan Operasional (BOPO). While for the dependent variable this research is Capital Adequacy Ratio (CAR). Technique analysis data used is multiple linear regression which preceded with testing to test assumptions classical , then analysis regression and test model which consist of the analysis coefficient determination, simultaneous test (F test) and test partial (t test) with to use program SPSS 18.0. after do processing Data, unknown that the results test The first hypothesis (H1) obtain the results Loan to Deposit Ratio (LDR) take effect negative significant to Capital Adeuacy Ratio (CAR). The second hypothesis (H2) to obtain the result Non Performing Loan (NPL) take effect positive do not significant to Capital Adeuacy Ratio (CAR). The third hypothesis (H3) to obtain the result Return On Asset (ROA ) take effect negative do not significant to Capital Adeuacy Ratio (CAR). And fourth hypothesis (H4) to obtain the result Beban Operasional Terhadap Pendapatan Operasional (BOPO) take effect negative significant to Capital Adeuacy Ratio (CAR)
keyword : Keywords: Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Assets (ROA),and Beban Operasional Terhadap Pendapatan Operasional (BOPO) ,Adequacy Capital Ratio (CAR).