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PENGARUH RASIO EFISIENSI DAN LOAN TO DEPOSIT RATIO TERHADAP CAPITAL ADEQUACY RATIO
ABSTRACT
The purpose of this research to analyze the influence Ratio Efisiensi and Loan to Deposit Ratio to Capital Adequacy Ratio on the General Bank and BPR. The data used secondary data from Indonesian Banking Statistics what is published by Indonesian Central Bank. Analyze technique use multivariate regression with first order condition.
Analysis technique used is multiple regression equation least squares fitted to test the classical assumption of normality, multicollinearity, heteroscedasticity, and autocorrelation to get a linear estimation model that is not biased. The hypothesis was tested using the t-statistic to test coefficient of regression partial and F-statistics to test the truth of simultaneously influence in level of significance 0.05.
During research period show as data research was normally distributed. Based on multicolinierity test, heteroscedasticity test and autocorrelation test variable digressing of classic assumption has not founded, its indicate that the available data has fulfill the condition to use multi linier regression model.
The result, as partial Ratio Efisiensi and Loan to Deposit Ratio to Capital Adequacy have the influence to Capital Adequacy Ratio with probability values less than 0.05. As the simultaneously, Ratio Efisiensi and Loan to Deposit Ratio have significant influence to Capital Adequacy Ratio with probability values less than 0.05. The contribution of Ratio Efisiensi and Loan to Deposit Ratio to Capital Adequacy Ratio on General Bank is 21.5 percent, and BPR is 28.8 percent.
Keywords: Ratio Efisiensi, Loan to Deposit Ratio and Capital Adequacy Ratio, General Bank and BPR.
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