Department of Management, 2009

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ANALISIS PENGARUH RASIO PROFITABILITAS DAN RASIO LIKUIDITAS TERHADAP CAPITAL ADEQUACY RATIO (CAR) BANK YANG TERMASUK KATEGORI LQ 45

Litta Sari Firmania

Abstract


The research will be focused on the influences between profitability and liquidity ratio toward capita adequacy ratio (CAR) bank using return on asset, return on equity and loan to deposit ratio. The data used is an accountability of financial ratio trough a quarterly bank includes on LQ 45 index on the years of 2005-2007. therefore, the title is ?An Analysis the Influence of Profitability ratio and liquidity ratio (LDR) toward capital adequacy ratio (CAR) bank category LQ 45?. In this research, the writer takes two hypotesis: profitability and liquidity can influence the capital adequacy ratio (CAR) on bank category LQ 45. similar to profitability and liquidity ratio (LDR), return on equity (ROE) is the most influence variable toward capital adequacy ratio (CAR)
An analysis measurement which is used is double regretion and OLS tests involving: multicol test, otocorelation test and heteroscedastisity. Based on the result of the data analysis using double regretion method and the analysis, it will be got that profitability ratio consist return on asset (ROA), return on equity (ROE), liquidity ratio or loan to deposit ratio (LDR) give significant impact toward capital adequacy ratio on bank category LQ 45. in short, between the first hypotesis and result it has similiarity.
In this research, loan to deposit ratio (LDR) variable is the most influential variable toeard capital adequacy ratio (CAR), it is different with the second hypotesis that states ROE variable (X2) is the most influential variable toward CAR category LQ 45. therefore, between second hypotesis and result has differences. Loan to deposit ratio (LDR) variable has negative impact toward capital adequacy ratio (CAR) category bank LQ 45.
Considering the explanation above, it can be concluded that between profitability ang liquidity ratio have significant influences toward capital adequacy ratio (CAR) category bank LQ 45. Finally, the first hypotesis that state profitability and liquidity ratio (LDR) have influences toward capital adequacy ratio (CAR) on category bank LQ 45. loan to deposit ratio (LDR) is the most influential variable toward capital adequacy ratio (CAR) category bank LQ 45. The first hypotesis is rejected and contrast to the second hypotesis.

 

Keyword : Return On asset (ROA), Return On Equity (ROE), Loan To Deposit Ratio (LDR), Capital Adequacy Ratio (CAR)



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