PENGARUH RISIKO USAHA BANK TERHADAP CAPITAL ADEQUACY RATIO
(CAR) PADA BANK UMUM SWASTA NASIONAL DEVISA
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
SARI, DEBBY CYNTHIA ANANDA
Subject
332.12 - BANKS & BANKING
Datestamp
2017-04-26 08:22:56
Abstract :
The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR simultaneously and partially have significant influence toward Capital Adequacy Ratio (CAR). Population were the On Foreign Exchange National Private Banks. Sampling technique is purposive sampling so that the selected Bank were PT. Bank ICBC Indonesia, Tbk, PT. Bank Permata, Tbk ,PT. Bank UOB Indonesia, Tbk , PT. Bank. Data collected by the methods of documentation and analysis were performed by linear multiple regression analysis technique. Results shows that LDR, IPR, NPL, APB, IRR, PDN BOPO, and FBIR simultaneously have significant effect toward CAR ratio On Foreign Exchange National Private Banks. Partially LDR ratio significantly has a positive effect on CAR ratio On Foreign Exchange National Private Banks and Partially BOPO ratio significantly has a negative effect on CAR ratio On Foreign Exchange National Private Banks. Meanwhile IPR , NPL, and PDN has a positive effect but insignificant toward CAR ratio On Foreign Exchange National Private Banks. On the other side, APB, IRR and FBIR have negative effect but insignificant toward CAR ratio On Foreign Exchange National Private Banks. Keywords: Liquidity Risk, Credit Risk, Market Risks, Operational Risks, CAR
The purpose of the research is to determine LDR, IPR, NPL, APB, IRR, PDN, BOPO and FBIR simultaneously and partially have significant influence toward Capital Adequacy Ratio (CAR). Population were the On Foreign Exchange National Private Banks. Sampling technique is purposive sampling so that the selected Bank were PT. Bank ICBC Indonesia, Tbk, PT. Bank Permata, Tbk ,PT. Bank UOB Indonesia, Tbk , PT. Bank. Data collected by the methods of documentation and analysis were performed by linear multiple regression analysis technique. Results shows that LDR, IPR, NPL, APB, IRR, PDN BOPO, and FBIR simultaneously have significant effect toward CAR ratio On Foreign Exchange National Private Banks. Partially LDR ratio significantly has a positive effect on CAR ratio On Foreign Exchange National Private Banks and Partially BOPO ratio significantly has a negative effect on CAR ratio On Foreign Exchange National Private Banks. Meanwhile IPR , NPL, and PDN has a positive effect but insignificant toward CAR ratio On Foreign Exchange National Private Banks. On the other side, APB, IRR and FBIR have negative effect but insignificant toward CAR ratio On Foreign Exchange National Private Banks. Keywords: Liquidity Risk, Credit Risk, Market Risks, Operational Risks, CAR
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