Analisis Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Return On Asset (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR) pada Industri Perbankan

Sintha, Lis (2014) Analisis Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Return On Asset (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR) pada Industri Perbankan. Jurnal Keuangan dan Perbankan, 2 (3). pp. 21-27. ISSN 9772339112136

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Abstract

The literature study was conducted based on the analysis and review some previous research suggesting that the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), BOPO, Return on Assets (ROA), and net interest margin (NIM) are variables that affects the level of liquidity Loan to Deposit Ratio (LDR) in the banking industry. Capital Adequacy Ratio (CAR) does not affect the loan to deposit ratio (LDR) due to the increasing value of CAR, suggesting the higher the level of liquidity of the bank, so the bank's capital structure is getting stronger. Non Performing Loan (NPL) does not affect the loan to deposit ratio (LDR). Small value of NPL will not interfere the liquidity of the bank, so the NPL does not give effect to the LDR. ROA does not affect the loan to deposit ratio (LDR). BOPO diminishing value indicates that the bank has been operating very efficiently so that ROA can be suppressed. The decline in ROA does not affect the value of the LDR. Return on Assets (ROA) affects the Loan to Deposit Ratio (LDR). Net Interest Margin (NIM) affect the Loan to Deposit Ratio (LDR). The greater the ratio the more increasing the interest income on earning assets managed by the bank so that the possibility of banks in troubled condition has a smaller relation to liquidity.

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