PENGARUH CAPITAL ADEQUACY RATIO DAN NON PERFORMING LOAN TERHADAP RETURN ON EQUITY PADA BANK SWASTA DEVISA DI INDONESIA

DOI: https://doi.org/10.32722/acc.v5i1.1792

Firmanta F

Sari


ABSTRACT  
This study aims to test the influence of Capital Adequacy Ratio (CAR) and Non-Performing Loan (NPL) against
the Return On Equity (ROE) on Foreign Exchange private Bank in Indonesia. The data used in this study were
obtained from the publication of the financial report of Foreign private banks issued by Bank Indonesia. After
doing the sampling purpose stage, then a decent sample used as many as 20 banks. The technique of data analysis
in this study using multiple regression analysis. From the results of testing performed indicates that F Capital
Adequacy Ratio (CAR) and Non-Performing Loan (NPL) influential simultaneously against the Return On Equity
(ROE). Whereas on the basis of the test t Capital Adequacy Ratio (CAR) effect significantly to Return On Equity
(ROE), the Non-Performing Loan (NPL) effect is not significantly to ROE (Return On Equity). The results of this
research are expected to be used the US guidelines for the management of the company in managing the company.

Keyword : Capital Adequacy Ratio, Non-Performing Loan, Return On Equity
 
ABSTRAK
Penelitian ini bertujuan untuk menguji pengaruh Capital Adequacy Ratio (CAR) dan  Non  Performing  Loan
(NPL) terhadap Return On Equity (ROE) pada Bank Swasta Devisa di Indonesia. Data   yang  digunakan   dalam  
penelitian   ini  diperoleh  dari Laporan Keuangan Publikasi Bank Swasta Devisa yang diterbitkan oleh Bank
Indonesia. Setelah melakukan tahap  purpose sampling, maka sampel yang layak digunakan sebayak 20 bank.
Teknik analisis data dalam penelitian ini menggunakan analisis regresi berganda. Dari hasil uji F  yang dilakukan
menunjukan bahwa Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) berpengaruh secara simultan
Terhadap Return On Equity (ROE). Sedangkan berdasarkan uji t Capital Adequacy Ratio (CAR) berpengaruh
signifikan    terhadap  Return  On  Equity (ROE), Non Performing Loan (NPL) berpengaruh tidak signifikan
terhadap ROE (Return On Equity). Hasil penelitian ini diharapkan dapat dijadikan pedoman bagi pihak
manajemen perusahaan dalam mengelola perusahaan.

Kata  kunci  :   Capital  Adequacy  Ratio  (CAR),  Non  Performing  Loan (NPL), dan ROE (Return On Equity).




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