Pengaruh Rasio Kecukupan Modal dan Likuiditas Terhadap Profitabilitas pada Bank Swasta yang Terdaftar di BEI

Abstract

The purpose of this study was to find out and analyze the effect of the Capital Adequacy Ratio and Liquidity on Profitability at Private Banks Listed on the IDX. Banking is one of the business sectors that dominates the Indonesian economy. The purpose of this study was to determine the effect of Capital Adequacy Ratio (CAR) and Loan to Deposit Ratio (LDR) on Return On Assets (ROA) on Private Banks listed on the Stock Exchange with the observation period of 2013 - 2017. The research methods used by researchers is using descriptive methods and verification methods with a quantitative approach using Multiple Regression analysis. This study uses the help of the IBM SPSS Statistics 23 application program. The results of this study state that partially shows that CAR has a significant effect on ROA, meaning that showing the truth of the fact from a Private Bank is made possible by increasing the quality of CAR which will influence the increase in profit shown by ROA and LDR that have a significant effect on ROA. it does not necessarily increase profits analyzed using ROA and does not mean its influence. In addition, simultaneously both CAR and LDR have a significant effect on ROA. This means that with the ratio analysis carried out, namely the higher the value of CAR and LDR, it will immediately increase the profit of BJB Bank by using ROA.