Pengaruh Efisiensi, Risiko, Loan To Deposit Ratio, Loan Over Total Asset, dan Ukuran Perusahaan Terhadap Capital Buffer pada Perusahaan Perbankan Indonesia (Studi Analisis Data Panel pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Tahun 2018-2021)

Abstract

The purpose of this research was to determine and analyze the effect of efficiency, risk, loan to deposit ratio, loan over total assets and company size on capital buffers in Indonesian banking companies listed on the Indonesia Stock Exchange for the period 2018-2021. The data in this study were obtained by downloading financial reports obtained through the company's official website so that this research is secondary data. The sample in this research were 29 companies. Data analysis using Eviews. The results of this study simultaneously show that efficiency, risk, loan to deposit ratio, loan over total assets and company size have a significant effect on capital buffer. Partially, efficiency and loan over total assets have a negative and insignificant effect on capital buffer. Loan to deposit ratio and company size have a negative and significant effect on capital buffer. However, risk has a positive and insignificant effect on capital buffer.