Detail Cantuman

Capital Adequacy Ratio (CAR) merupakan salah satu indikator yang digunakan untuk mengukur kecukupan modal bank. Modal bagi bank digunakan untuk menyerap kerugian yang berasal dari aktifitas perbankan dan sebagai dasar dari beberapa kebijakan yang dikeluarkan oleh bank. Penelitian ini dilakukan untuk mengetahui (1) pengaruh Non Performing Loan dan Loan to Deposit Ratio terhadap Capital Adequacy Ratio secara parsial pada PT. BPR Swadaya Anak Nagari periode 2015-2019. (2) pengaruh Non Performing Loan dan Loan to Deposit Ratio terhadap Capital Adequacy Ratio secara simultan pada PT. BPR Swadaya Anak Nagari periode 201 S-2019. Hasil penelitian ini menunjukan bahwa (1) Secara parsial variabel Non Performing Loan dan Loan to Deposit Ratio berpengaruh positif dan signifikan terhadap Capital Adequacy Ratio. (2) Secara simultan variabel Non Performing Loan dan Loan to Deposit Ratio berpengaruh positif dan signifikan terhadap Capital Adequacy Ratio. Nilai koefisien determinasi (R-Square) sebesar 0,766. Dari nilai tersebut dapat dilakukan penafsiran bahwa Non Performing Loan (Xl) dan Loan to Deposit Ratio (X2) terhadap Capital Adequacy Ratio (Y) sebesar 76,6%. Sedangkan sisanya sebesar 23,4% lagi dipengaruhi oleh faktor-faktor lain yang tidak diteliti dalam penelitian

Kata kunci : Non Performing Loan (NPL), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is one of lhe indicators used 10 measure bank capital adequacy. Capital for banks is used to absorb losses from banking activities and as the basis for several policies issued by banks. This research was conducted to determine (1) the impact of Non Performing Loan and Loan to Deposit Ratio on Capital Adequacy Ratio partially at PT. BPR Swadaya Anak Nagari period 2015-2019. (2) lhe impacl of Non Performing Loan and Loan 10 Deposit Ratio on Capital Adequacy Ratio simultaneously at PT. BPR Swadaya Anak Nagari period 2015-2019. The results of this study indicate that (1) Partially Non-Performing Loan and Loan to Deposit Ratio have a positive and significant impact on Capital Adequacy Ratio. (2) Simultaneously Non Performing Loan and Loan to Deposit Ratio have positive and significant impact on Capital Adequacy Ratio. The value of the coefficient of determination (RSquare) is 0.766. From these values it can be interpretated that Non-Performing Loans (X!) and Loan to Deposit Ratio (X2) of the Capital Adequacy Ratio (Y) amounted to 76.6%. While the remaining 23.4% is affected by otherfactors which are not tested in this study.

Keywords : Non Performing Loan (NPL), Loan 10 Deposil Ratio (LDR), Capital Adequacy Ratio (CAR)