PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO DAN BEBAN OPERATIONAL PENDAPATAN OPERATIONAL TERHADAP CAPITAL ADEQUACY RATIO (Pada Perbankan yang Listing di Bursa Efek Indonesia Tahun 2016-2018)

SYAHFITRI, SHENY and NURUL, FLORIEN (2020) PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO DAN BEBAN OPERATIONAL PENDAPATAN OPERATIONAL TERHADAP CAPITAL ADEQUACY RATIO (Pada Perbankan yang Listing di Bursa Efek Indonesia Tahun 2016-2018). PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, BEBAN OPERATIONAL PENDAPATAN OPERATIONAL TERHADAP CAPITAL ADEQUACY RATIO (Pada Perbankan yang Listing di Bursa Efek Indonesia tahun 2016-2018). (Unpublished)

	Text (ARTIKEL BAHASA INDONESIA) 1113000478_PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, BEBAN OPERATIONAL PENDAPATAN OPERATIONAL TERHADAP CAPITAL ADEQUACY RATIO_2020.pdf Available under License Creative Commons Attribution Non-commercial. Download (1MB)
	Text (ARTICLE IN ENGLISH) 1113000478_THE EFFECT OF NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO, AND OPERATING EXPENSES OPERATING INCOME ON CAPITAL ADEQUACY RATIO_2020.pdf Available under License Creative Commons Attribution Non-commercial. Download (1MB)

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kredit bermasalah, kemampuan perbankan dalam mengembalikan kewajibannya dan beban operational dan Pendapatan Operational terhadap Kecukupan modal pada perbankan yang listing di Bursa Efek Indonesia (BEI). Strategi penelitian yang digunakan dalam penelitian ini adalah strategi penelitian yang bersifat asosiatif dengan metode penelitian yang digunakan adalah metode dokumentasi. Dalam penelitian ini, peneliti menggunakan data yang bersifat kuantitatif yang diukur menggunakan metode berbasis regresi data panel dengan Eviews-10. Data yang diambil dari laporan keuangan perusahaan perbankan yang telah diaudit tahun 2016-2018. Sampel yang ditentukan berdasarkan metode purposive sampling sebanyak 40 perbankan sehingga total observasi sebanyak 120. Hasil penelitian membuktikan bahwa : 1) Non Performing Loan tidak berpengaruh terhadap Capital Adequacy Ratio. 2) Loan to Deposit Ratio berpengaruh negative signifikan terhadap Capital Adequacy Ratio. 3) Biaya Operasional Pendapatan Operasional berpengaruh negatif signifikan terhadap Capital Adequacy Ratio This study aims to determine the effect of non-performing loans, the ability of banks to return their liabilities and operational expenses and operational income to the capital adequacy of banks listed on the Indonesia Stock Exchange (IDX). The research strategy used in this research is an associative research strategy with the research method used is the documentation method. In this study, researchers used quantitative data measured using panel data regression-based methods with Eviews-10. Data taken from audited 2016-2018 banking company financial reports. The sample that was determined based on the purposive sampling method was 40 banks so that the total observation was 120. The research results prove that: 1) Non-performing loans have no effect on Capital Adequacy Ratio. 2) Loan to Deposit Ratio has a negative signifikan effect on Capital Adequacy Ratio. 3) Operational Costs Operational Income has a negative signifikan effect on Capital Adequacy Ratio.

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