Pengaruh Likuiditas terhadap Capital Adequacy Ratio Industri Perbankan di Bursa Efek Indonesia

Abstract

There are several factors that influent in banking performance such as liquidity. There could be represented with its financial ratios which can predict banking performance on capital matter (Capital Adequacy Ratio). liquidity ratios is Loan to Deposit Ratio (LDR, Quick Ratio (QR, Investing Policy Ratio (IPR), Loan to Asset Ratio (LAR), Liquidity Risk Ratio (LRR), Credit Risk Ratio (CRR). The purpose of this research is to test the influence of the variable liquidity toward Capital Adequacy Ratio (CAR). The result of this research could give contributions to banking managers in keeping its banking performance. This research using time series data from publicity Annual Report of State Banking in 2010 until 2014 periods. This research use the population of State Banking in Indonesia by the number of 12 banks. Analysis technique used is multiple regression equation least squares fitted to test the classical assumption of normality, multicollinearity, heteroscedasticity, and autocorrelation to get a linear estimation model that is not biased. The hypothesis was tested using the tstatistic to test coefficient of regression partial and F-statistics to test the truth of simultaneously influence in level of significance 5%. During research period show as data research was normally distributed. Based on multicolinierity test, heteroscedasticity test and autocorrelation test variable digressing of classic assumption has not founded, its indicate that the available data has fulfill the condition to use multi linier regression model. The results showed that the variables: (1) Loan to Deposit Ratio no significant effect the Capital Adequacy Ratio (CAR) (2) Quick Ratio significant effect the Capital Adequacy Ratio (3) Investing Policy Ratio significant effect the Capital Adequacy Ratio (4) Loan to Asset Ratio no significant effect the Capital Adequacy Ratio (5) Liquidity Risk Ratio no significant effect the Capital Adequacy Ratio (6) Credit Risk Ratio no significant effect the Capital Adequacy Ratio