Karlina, Erlita (2017) PENGARUH CAPITAL ADEQUACY RATIO, RETURN ON ASSETS DAN NON PERFORMING LOAN TERHADAP LIKUIDITAS PADA BANK UMUM DI INDONESIA. S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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PENGARUH CAPITAL ADEQUACY RATIO (CAR), RETURN ON ASSETS (ROA) DAN NON PERFORMING LOAN (NPL) TERHA.PDF Restricted to Registered users only Download (2MB) |
Abstract
Liquidity is one of the indicators to measure the level of health and performance on the commercial banks as regulated by Bank Indonesia regulation number 6/10/PBI/2004 of the system assessment the health of the commercial banks. For banks liquidity is very important problem because it is related to the trust of the community, clients, and government. The heaviest risk that often become the beginning of the company liquidations is liquidity risk. The purpose of this research is to analyze the health of the Commercial Banks through the influence of the Capital Adequacy Ratio (CAR), Return on Assets (ROA) and Non Performing Loan (NPL) to the Liquidity of Commercial Banks in Indonesia, which is measured by Loan to Deposit Ratio (LDR). Determination of the sample is based on the time series of monthly data in period of November 2010 up to Desember 2014. All data in this research originate from Bank Indonesia Perbankan Statistics And Otoritas Jasa Keuangan (OJK). This research is using the ordinary Least Square (OLS) analysis method with the help of software eviews 8. Based on the results of the OLS estimation, the results of this research simultaneously shows that the Capital Adequacy Ratio (CAR), ), Return on Assets (ROA) and Non Performing Loan (NPL) effect on the Loan to Deposit Ratio (LDR) on the level of trust 95% or α = 5 percent with the value of the determination coefficient (R2) of 90.02%. Partially variables such as Return On Asset (ROA) and Non-performing loan (NPL) negative effect on Loan to Deposits Ratio (LDR), while the Capital Adequacy Ratio (CAR) have positive effect on Loan to Deposits Ratio (LDR).
| Item Type: | Thesis (S1) | |||||||||
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| Additional Information: | Likuiditas merupakan salah satu indikator untuk mengukur tingkat kesehatan dan kinerja pada Bank Umum sebagaimana diatur dalam Peraturan Bank Indonesia Nomer 6/10/PBI/2004 Tentang Sistem Penilaian Kesehatan Bank Umum. Likuiditas bagi bank merupakan masalah yang sangat penting karena berkaitan dengan kepercayaan masyarakat, nasabah, dan pemerintah. Risiko yang terberat yang kerap menjadi awal dari terjadinya likuidasi ialah risiko likuiditas. Penelitian ini bertujuan untuk menganalisis tingkat kesehatan Bank Umum melalui pengaruh Capital Adequacy Ratio (CAR), Return On Asset (ROA) dan Non Performing Loan (NPL) terhadap Likuiditas Pada Bank Umum di Indonesia yang diukur dengan Loan to Deposits Ratio (LDR). Penentuan sampel berdasarkan data time series Bulanan periode November 2010 sampai dengan Desember 2014. Seluruh data dalam penelitian ini bersumber dari Statistik Perbankan Bank Indonesia Dan Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan metode analisis Ordinary Least Square (OLS) dengan bantuan software eviews 8. Berdasarkan hasil estimasi OLS, Hasil dari penelitian ini secara simultan menunjukkan bahwa Capital Adequacy Ratio (CAR), Return On Asset (ROA) dan Non Performing Loan (NPL) berpengaruh terhadap Loan to Deposits Ratio (LDR) pada tingkat kepercayaan 95% atau = 5% dengan nilai koefisien determinasi (R2) sebesar 90.02%. Secara parsial variabel seperti Return On Asset (ROA) dan Non Performing Loan (NPL) berpengaruh negatif signifikan terhadap Loan to Deposits Ratio (LDR), Sedangkan Capital Adequacy Ratio (CAR) berpengaruh positif signifikan terhadap Loan to Deposits Ratio (LDR) | |||||||||
| Subjects: | H Social Sciences > H Social Sciences (General) | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 60201-Program Sarjana Ilmu Ekonomi Pembangunan |
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| Depositing User: | Admin Eprints Untirta | |||||||||
| Date Deposited: | 10 Nov 2021 14:17 | |||||||||
| Last Modified: | 10 Nov 2021 14:17 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/5039 |
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