PENGARUH LDR, IPR, NPL, APB, IRR, BOPO, ROA DAN NIM TERHADAP CAPITAL ADEQUACY RATIO PADA BANK PEMBANGUNAN DAERAH
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
PARERA, BENEDIKTA NATALIA
Subject
332.12 - BANKS & BANKING
Datestamp
2017-05-17 07:51:29
Abstract :
The Influence of LDR, IPR, NPL, APB, IRR, BOPO, ROA, and NIM toward Capital Adequacy Ratio (CAR) in Regional Development Bank, as known as Bank Pembangunan Daerah (BPD). CAR is used as indicator to measure bank?s capital degree. The purpose of capital from bank perspective is to absorb loss that emerge because of bank activity and as fundamental of somepolicieswhich is required by central bank, as known as Bank Indonesia. This research concerns about ?is there any significant influence from LDR, IPR, NPL, APB, IRR, BOPO, ROA, and NIM either simultaneously or partially toward Capital Adequacy Ratio (CAR) in Bank Pembangunan Daerah (BPR)??. This research use seconder data from public financial statement of Bank Pembangunan Daerah, consisted of PT BPD Kalimantan Barat, PT BPD Kalimantana Selatan, PT BPD Nusa Tenggara Timur, PT BPD Sulawesi Selatan and Sulawesi Barat, and PT BPD Sulawesi Utara from 1st quarter of 2010 until 4th quarter of 2012. Then the data is analyzed by statistical tests as analytical tools, using F-test to look at the influence simultaneously and t-test to look at the influence partially towards dependent and independent variables, to verify researcher?s submitted hypotheses.The analysis result that LDR, IPR, NPL, APB, IRR, BOPO, ROA, and NIM simultaneously have significant influence toward CAR. In partially, IRR?s variable has significant influence toward CAR. And the most dominant variable?s influence is IRR, which is 16.81 percent. Key word : CAR, LDR, IPR, NPL, APB, IRR, BOPO, ROA, NIM
The Influence of LDR, IPR, NPL, APB, IRR, BOPO, ROA, and NIM toward Capital Adequacy Ratio (CAR) in Regional Development Bank, as known as Bank Pembangunan Daerah (BPD). CAR is used as indicator to measure bank?s capital degree. The purpose of capital from bank perspective is to absorb loss that emerge because of bank activity and as fundamental of somepolicieswhich is required by central bank, as known as Bank Indonesia. This research concerns about ?is there any significant influence from LDR, IPR, NPL, APB, IRR, BOPO, ROA, and NIM either simultaneously or partially toward Capital Adequacy Ratio (CAR) in Bank Pembangunan Daerah (BPR)??. This research use seconder data from public financial statement of Bank Pembangunan Daerah, consisted of PT BPD Kalimantan Barat, PT BPD Kalimantana Selatan, PT BPD Nusa Tenggara Timur, PT BPD Sulawesi Selatan and Sulawesi Barat, and PT BPD Sulawesi Utara from 1st quarter of 2010 until 4th quarter of 2012. Then the data is analyzed by statistical tests as analytical tools, using F-test to look at the influence simultaneously and t-test to look at the influence partially towards dependent and independent variables, to verify researcher?s submitted hypotheses.The analysis result that LDR, IPR, NPL, APB, IRR, BOPO, ROA, and NIM simultaneously have significant influence toward CAR. In partially, IRR?s variable has significant influence toward CAR. And the most dominant variable?s influence is IRR, which is 16.81 percent. Key word : CAR, LDR, IPR, NPL, APB, IRR, BOPO, ROA, NIM
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