Faktor-Faktor Yang Mempengaruhi Capital Adequacy Ratio Pada Perusahaan Perbankan Di Bursa Efek Indonesia Periode 2010-2015

ABSTRAK
FAKTOR-FAKTOR YANG MEMPENGARUHI CAPITAL ADEQUACY
RATIO PADA PERUSAHAAN PERBANKAN
DI BURSA EFEK INDONESIA
PERIODE 2010-2015
Penelitian ini bertujuan untuk mengetahui dan menguji pengaruh Loan to
Deposit Ratio (LDR), Asset to Loan Ratio (ALR), Quick Ratio (QR), Return on
Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM) terhadap
Capital Adequacy Ratio (CAR). Populasi yang digunakan dalam penelitian ini
adalah populasi perbankan yang terdaftar di BEI yaitu sebanyak 41 emiten.
Berdasarkan kriteria dalam penelitian ini, maka bank yang memenuhi persyaratan
sebagai sampel dalam penelitian ini adalah 25 perusahaan perbankan. Penelitian
ini menggunakan data laporan keuangan Perusahaan perbankan yang terdaftar di
Bursa Efek Indonesia periode 2010-2015 yang telah diaudit. Pengumpulan data
dilakukan melalui studi dokumentasi yang bersumber dari www.idx.co.id.
Penarikan sampel pada penelitian ini adalah didasarkan pada kriteria tertentu yang
disesuaikan dengan tujuan penelitian. Teknik analisis data yang digunakan adalah
regresi berganda data panel. Hasil penelitian menunjukkan, secara simultan Loan
to Deposit Ratio (LDR), Assets to Loan Ratio (ALR), Quick Ratio (QR), Return
on Assets (ROA), Return on Equity (ROE), dan Net Interest Margin (NIM)
berpengaruh signifikan terhadap Capital Adequacy Ratio (CAR) pada perusahaan

perbankan yang terdaftar di Bursa Efek Indonesia. Sedangkan secara parsial Loan
to Deposit Ratio (LDR) berpengaruh negatif dan tidak signifikan terhadap Capital
Adequacy Ratio (CAR). Assets to Loan Ratio (ALR) berpengaruh negatif dan
tidak signifikan terhadap Capital Adequacy Ratio (CAR). Quick Ratio (QR)
berpengaruh negatif dan tidak signifikan terhadap Capital Adequacy Ratio (CAR).
Return on Aseets (ROA) berpengaruh positif dan signifikan terhadap Capital
Adequacy Ratio (CAR). Return on Equity (ROE) berpengaruh negatif dan
signifikan terhadap Capital Adequacy Ratio (CAR). Net Interest Margin (NIM)
berpengaruh positif dan signifikan terhadap Capital Adequacy Ratio (CAR).
Kata kunci: Loan to Deposit Ratio (LDR), Assets to Loan Ratio (ALR), Quick
Ratio (QR), Return on Assets (ROA), Return on Equity (ROE), dan
Net Interest Margin (NIM) dan Capital Adequacy Ratio (CAR).

Universitas Sumatera Utara

ABSTRACT
FACTORS AFFECTING THE CAPITAL ADEQUACY RATIO
IN BANKING IN INDONESIA STOCK EXCHANGE
PERIOD 2010-2015
The purpose of this research is to determine and test the effect of the Loan to

Deposit Ratio (LDR), Asset to Loan Ratio (ALR), Quick Ratio (QR), Return on
Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) to Capital
Adequacy Ratio (CAR). The population used in this study is the population of
banks listed on the Stock Exchange as many as 41 issuers. Based on the criteria in
this study, the bank that meets the requirement as samples in this study were 25
banking companies. This study uses data Banking Company's financial statements
listed in Indonesia Stock Exchange 2010-2015 period that was audited. Data
collected through the study documentation originating from www.idx.co.id.
Sampling in this study is based on a certain criteria that are tailored to the purpose
of research. Data analysis technique used is multiple regression panel data. The
results showed, simultaneously Loan to Deposit Ratio (LDR), Assets to Loan
Ratio (ALR), Quick Ratio (QR), Return on Assets (ROA), Return on Equity
(ROE), and Net Interest Margin (NIM) effect significantly to the Capital
Adequacy Ratio (CAR) in the banking companies listed in Indonesia Stock
Exchange. Partially Loan to Deposit Ratio (LDR) and no significant negative
effect on the Capital Adequacy Ratio (CAR). Assets to Loan Ratio (ALR) and no
significant negative effect on the Capital Adequacy Ratio (CAR). Quick Ratio
(QR) and no significant negative effect on the Capital Adequacy Ratio (CAR).
Return on Aseets (ROA) positive and significant impact on the Capital Adequacy
Ratio (CAR). Return on Equity (ROE) significant negative effect on the Capital

Adequacy Ratio (CAR). Net Interest Margin (NIM) positive and significant
impact on the Capital Adequacy Ratio (CAR).
Keywords: Loan to Deposit Ratio (LDR), Assets to Loan Ratio (ALR), Quick
Ratio (QR), Return on Assets (ROA), Return on Equity (ROE), and
Net Interest Margin (NIM) and the Capital Adequacy Ratio (CAR).

Universitas Sumatera Utara