Analisis Pengaruh Capital Adequacy Ratio (car), Non Performing Loan (npl), Dan Loan Deposit Ratio (ldr) Terhadap Profitabilitas Perbankan (studi Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Tahun 2016-2018)

Velinda Supandi Putri, Willy Sri Yuliandhari

Abstract

Abstrak Kegiatan perbankan memiliki peran yang sangat penting dalam perekonomian suatu negara. Oleh karena itu bank harus memelihara dan meningkatkan kesehatan bank itu sendiri. Tingkat kesehatan bank dapat dilihat dari hasil kondisi bank atas kinerja bank. Penelitian ini bertujuan mengetahui pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), dan Loan Deposit Ratio (LDR) baik secara simultan dan parsial. Penelitian ini menggunakan semua data perusahaan yang terdaftar di Bursa Efek Indonesia periode 2016-2018 pada sub sektor perbankan. Teknik yang digunakan ialah purposive sampling dan diperoleh 37 perusahaan dengan kurun waktu 3 tahun dengan 111 sampel yang diobservasi. Model analisis yang digunakan dalam penelitian ini adalah analisis data panel (time series & cross section) dengan menggunakan Software Eviews 9. Hasil penelitian ini menunjukkan bahwa Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) dan Loan Deposit Ratio (LDR) berpengaruh terhadap Profitabilitas perbankan secara simultan yang terdaftar di Bursa Efek Indonesia tahun 2016-2018. Secara parsial, Capital Adequacy Ratio (CAR) tidak berpengaruh terhadap Profitabilitas perbankan, Non Performing Loan (NPL) tidak berpengaruh terhadap Profitabilitas perbankan, dan Loan Deposit Ratio (LDR) berpengaruh positif terhadap Profitabilitas perbankan. Kata Kunci: Capital Adequacy Ratio, Non Performing Loan, Loan Deposit Ratio, dan Profitabilitas Abstract Banking activities have a very important role in the economy of a country. Therefore banks should maintain and improve the health of the bank itself. The bank's health level can be seen from the bank's bank performance. This research aims to determine the influence of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), and Loan Deposit Ratio (LDR) both simultaneously and partially. The research uses all the company data listed on the Indonesia Stock Exchange period 2016-2018 in the banking sub-sector. The technique used is purposive sampling and obtained 37 companies with a period of 3 years with 111 observed samples. The analytical Model used in this study is the analysis of the data panel (Time Series & cross section) using Software Eviews 9. The results showed that the Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) and the Loan Deposit Ratio (LDR) affected the simultaneous banking profitability listed on the Indonesia Stock Exchange in 2016-2018. In partial, the Capital Adequacy Ratio (CAR) has no effect on the banking profitability, the Non Performing Loan (NPL) has no effect on the banking profitability, and the Loan Deposit Ratio (LDR) positively affects the profitability of the banking. Keywords: Capital Adequacy Ratio, Non Performing Loan, Loan Deposit Ratio, and Profitability

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