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The Effect of Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) at Commercial Banks Recorded in 2015-2019

Tugas Akhir, 024 / 2021 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2023-05-12 14:51:43
Oleh : Sabila Nur Al-Fadzar - 185121027 (sabila.nur.kpn18@polban.ac.id)
Dibuat : 2023-05-12, dengan 4 file

Keyword : Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Asset (ROA)
Subjek : Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA)

Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) dan Loan to Deposits (LDR) terhadap Return On Asset (ROA) pada Bank Umum yang terdaftar di BEI tahun 2015-2019. Populasi dalam penelitian ini yaitu Bank Umum yang terdaftar di BEI pada periode 2015-2019, sampel dari penelitian ini sebanyak 38 Bank Umum dengan menggunakan teknik Purposive Sampling. Jenis data yang digunakan yaitu data sekunder berupa laporan keuangan tahunan perusahaan. Metode penelitian yang dilakukan yaitu penelitian deskriptif dan kuantitatif. Pengujian yang dilakukan menggunakan metode regresi data panel yang diolah meggunakan Eviews 9. Metode data panel yang di pilih yaitu Random Effect Model. Hasil penelitian menunjukan bahwa secara simultan Capital Adequacy Ratio (CAR) dan Loan to Deposit Ratio (LDR) berpengaruh signifikan terhadap Return On Asset (ROA) pada Bank Umum yang terdaftari di BEI. Dari hasil parsial menunjukan bahwa Capital Adequacy Ratio (CAR) berpengaruh negatif dan signifikan terhadap Return On Asset (ROA), sedangkan Loan to Deposit Ratio (LDR) berpengaruh positif dan tidak signifikan terhadap Return On Asset (ROA) pada Bank Umum yang terdaftar di BEI. Untuk hasil simultan menunjukan bahwa CAR dan LDR berpengaruh signifikan terhadap ROA. Kata kunci: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Asset (ROA).

Deskripsi Alternatif :

This study aims to determine the effect of Capital Adequacy Ratio (CAR) and Loan to Deposits (LDR) on Return On Assets (ROA) at Commercial Banks listed on the Indonesia Stock Exchange for the 2015-2019 period. The population in this study are commercial banks listed on the Indonesia Stock Exchange in the 2015-2019 period, the sample from this study was 38 commercial banks using the purposive sampling technique. The type of data used is secondary data in the form of the company's annual financial statements. The research method used is descriptive and quantitative research. The test was carried out using the panel data regression method which was processed using Eviews 9. The panel data method selected was the Random Effect Model. The results showed that simultaneously the Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) had a significant effect on the Return On Assets (ROA) of Commercial Banks listed on the IDX. The partial results show that the Capital Adequacy Ratio (CAR) has a negative and significant effect on Return On Assets (ROA), while the Loan to Deposit Ratio (LDR) has a negative and insignificant effect on the Return On Assets (ROA) of Commercial Banks listed on the IDX. For simultaneous results indicate that CAR and LDR significant effect on ROA. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Return On Assets (ROA).

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