ABSTRACT

This study was conducted with the aim to examine the effect of Loan to
Asset Ratio (L4R) on Capital Adequency Ratio (CAR), the influence Of Loan to
Deposit Ratio (LDR) on Capital Adequency Ratio (CAR), and the influence Of
Loan 10 Asser Ratio (LAR) and Loans to Deposit Ratio (LDR) to Capital
Adequency Ratio (CAR) either partially (each) or simultaneously (fogelher).
There are three vanables used, namely: Capital Adequency Ratio (CAR), as the
dependent variable, and Loan to Asset Ratio (L4R) and Loan to Deposit Ratio
(LDR) as independent variables. The analytical tool used is simple linear
regression analysis and multiple linear regression analysis. The sample used was
4 companies from companies listed on the Indonesia Stock Exchange during the
2014-2018 period. Sampling in this study was conducted by not random but using
a purposive sampling method.
The resubs showed that partially (each) Ihe Loan to Asset Ratio (L4R)
variable did nol hone a significant effect on lhe Capital Adequency Ratio (CAR)
and the Loan 'o Deposit Ralio (LDR) variable had an influence hut not
significantly on the Capital Adequency Ratio (LDR) CAR). Simultaneously
(together) the Loan to Asset Ratio (IMR) and Loan to Deposit Ratio (LDR)
variables have an influence but not significantly to the Capital Adequency Ratio
(CAR)
Keywords: Loan to Asset Ratio (LAR), Loan to Deposit Ratio (LDR), Capital
Adeq uency Ratio (CAR).


ABSTRAK

Penelitian ini dilakukan dengan tujuan untuk menguji pengaruh Loan to
Asset Ratio (141?) terhadap Capital Adequency Ratio (CAR), pengaruh Loan to
Depus•it Ratio (LDR) terhadap Capital Adequency Ratio (CAR), dan pengaruh
Loan 10 Asset Ratio (LAR) dan Loan to Deposit Ratio (LDR) terhadap Capital
Adequency Ratio (CAR) baik secara parsial (masing-masing) maupun secara
simultan (bersama-sama). Terdapat tiga variabel yang digunakan yaitu: Capital
Adequency Ratio (CAR), sebagai dependent variable, sedangkan dan Loan to
Asset Ratio (L4R) dan Loan to Deposit Ratio (LDR) sebagai independent
variable. Alat analisis yang digunakan adalah analisis regresi linier sederhana
dan analisis regresi linier berganda. Sampel yang digunakan adalah 4
perusahaan dari 4 perusahaan yang terdaftar di Bursa Efek Indonesia selama
periode 2014-2018. Pengambilan sampel pada penelitian ini dilakukan dengan
cara tidak acak tetapi menggunakan metode purposive sampling.
Hasil penelitian menunjukkan bahwa secara parsial (masing-masing)
variabel Loan to Assel Ratio (L4R) tidak memiliki pengaruh yang signifikan
terhadap Capital Adequency Ratio (CAR) dan variabel Loan to Deposit Ratio
(LDR) memiliki pengaruh tetapi tidak signifikan terhadap Capital Adequency
Ratio (CAR). Secara simultan (bersama-sama) variabel Loan to Asset Ratio
(LAR) dan Loan 10 Deposit Ralio (LDR ) memiliki pengaruh tetapi tidak signifikan
terhadap Capital Adequency Ratio (CAR).
Kata Kunci : Loan to Asset Ratio (L4R)J Loan 10 Deposit Ratio (LDR), Capital
A dequency Ratio (CAR).