The Influence of Capital Adequacy Ratio (CAR), Non performing Loans (NPL), Operating Costs To Operating Income (BOPO) on Liquidity as Measured by Loan to Deposit Ratio at Bank Negara Indonesia Tbk
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Published:
Oct 30, 2021
Keywords:
Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), Capital Adequacy Ratio (CAR), Operational Cost to Operating Income (BOPO)
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Abstract
The purpose of this research is to analyze and test the effect of CAR, NPL, BOPO on the LDR of PT. Bank BNI Indonesia Tbk. This type of research is explanatory research. The sample used in this research is PT. Bank BNI Indonesia Tbk, which published its financial statements for the period 2006-2013. Data collection techniques are library research and field research. This study uses multiple linear regression for data analysis with the help of the Eviews 6 program. The results of the analysis test show that the CAR and BOPO ratios have no effect on the LDR ratio, while the NPL ratio has a significant effect on the LDR ratio.
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How to Cite
Hasibuan, E., Nasution, S. U. A., & Aisyah, S. (2021). The Influence of Capital Adequacy Ratio (CAR), Non performing Loans (NPL), Operating Costs To Operating Income (BOPO) on Liquidity as Measured by Loan to Deposit Ratio at Bank Negara Indonesia Tbk. ProBisnis : Jurnal Manajemen, 12(2), 39–45. https://doi.org/10.62398/probis.v12i2.67
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Arthesa, A dan Handiman, E. (2006), Bank & Lembaga Keuangan Bukan Bank, Jakarta: PT Indeks.
Buchory, H.A. (2014a).“Analysis Of The Effect Of Capital, Credit Risk And Profitability To Implementation Banking Intermediation Function (Study On Regional Development Bank All Over Indonesia Year 2012)”, International Journal of Business Economics and Law, 4(1)(Juni).
---------------- (2014b).Analysis Of The Effect Of Capital, Net Interest Margin, Credit Risk And Profitability In The Implementation Of Banking Intermediation (Study On Regional Development Bank All Over Indonesia In 2012), European Journal of Business and Management,6 (24).
Hersugondo dan Tamtomo, H.S (2012). Pengaruh CAR, NPL, DPK dan ROA Terhadap LDR Perbankan Indonesia, Jurnal Dharma Ekonomi, (36) (Oktober).
Khaizan, E, (2011). Non Performing Loan (NPL). http://enjangkhaizan.blogspot.com/2011/06/pengertian-non-performing-loan-npl.html. diakses pada tanggal 20 September 2014
Kuncoro, M dan Suhardjono. (2002).Manajemen Perbankan Teori dan Aplikasi, Yogyakarta: BPFE Yogyakarta.
Manurung, S. (2014). “Analisis Faktor yang Mempengaruhi Fungsi Intermediasi Bank Melalui Pendekatan Loan To Deposit Ratio (LDR) Pada PT. Bank Tabungan Negara (Persero) Tbk Tahun 2006-2013”. Universitas Gunadarma.
Prayudi, A. (2011).“Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), BOPO, Return On Asset (ROA) dan Net Interest Margin (NIM) terhadap Loan to Deposit Ratio (LDR)”. Sragen.
Ritha, H dan Raditiya, E. (2013).“Pengaruh Faktor Internal dan Eksternal Terhadap Fungsi Intermediasi Pada Bank Umum Swasta Nasional (BUSN) Devisa Periode 2006-2010, Jurnal Bijak, 11 (2)” (September).
Riyadi, S. (2006). Banking Assets and Liability Management. Jakarta: Lembaga Penerbit Fakutas Ekonomi Universitas Indonesia.
Santoso, A, L dan Sukihanjani, T. (2012). “Analisis Faktor-Faktor yang Mempengaruhi Likuiditas Perbankan di Indonesia”.Universitas Sebelas Maret.
Setiawan, B dan Hady, H. (2006).“Pengaruh Placement dan Kinerja Bank, serta Variabel Eksternal terhadap Peranan Bank Umum Swasta Nasional (BUSN) sebagai Intermediasi untuk Mendorong Sektor Riil di Indonesia”.Journal of Postgraduate Program Universitas Persada Indonesia, 14, hal: 43-60.
Sudirman, I.W. (2013).Manajemen Perbankan Menuju Bankir Konvensional yang Profesional.
Jakarta: Kencana Prenada Media Group.
Susanty, W.D. (2014). “Pengaruh Faktor Internal dan Eksternal Sebagai Penentu Fungsi Intermediasi Perbankan (Studi pada Bank Syariah dan Bank Umum Konvensional)”, Jurnal Ilmiah, Universitas Brawijaya.
Kartini dan Anis Nuranisa. 2014. “Pengaruh Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), PertumbuhanDana Pihak Ketiga (DPK), Biaya Operasional terhadap Pendapatan Operasional (BOPO)Terhadap Likuiditas Yang Diukur Dengan Loan to Deposit Ratio Pada Perusahan Perbankan Yang Tercatat di Bursa Efek Indonesia”. Jurnal Dharma Ekonomi, (36) (Oktober). Jurnal Unisia , 36 (81)” (Juli).