Pengaruh Rasio Kecukupan Modal dan Loan To Deposit Ratio Terhadap Kinerja Perusahaan Pada Subsector Perbankan Periode 2014-2019 - Titin Kartini; Komir Bastaman (The World of Business Administration Journal, 2021)
Abstrak Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh Loan to Deposit Ratio (LDR) dan Capital Adequancy ratio (CAR), terhadap Kinerja Keuangan pada sektor Perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2014-2019. Metode penelitian yang digunakan adalah deskriptif dan verifikatif. Populasi selama periode penelitian dari tahun 2014-2019 adalah sebanyak 43 bank. Sampel penelitian yang diambil secara purposive sampling sebesar 30 bank dalam penelitian ini sehingga total data yang diolah adalah sebanyak 180 data. Analisis data menggunakan analisis regresi data panel pada taraf signifikansi 5%. Dalam menganalisis data menggunakan Eviews 10, sebelumnya dilakukan uji asumsi klasik dan dilanjutkan dengan uji model. Hasil penelitian menunjukan bahwa uji model yang dilakukan diterima, berarti bahwa persamaan yang didapatkan sudah tepat, lalu secara bersamaan Loan to Deposit Ratio (LDR), dan Capital Adequancy ratio (CAR) berpengaruh terhadap Kinerja Keuangan. Dan hasil uji secara parsial menunjukan bahwa hanya Capital Adequacy Ratio (CAR) yang berpengaruh terhadap Kinerja Keuangan, sedangkan Loan to Deposit Ratio (LDR) tidak berpengaruh terhadap Kinerja Keuangan. Kata kunci : Loan to Deposit Ratio (LDR), Capital Adequancy Ratio (CAR), Kinerja Perusahaan dan Return on Asset (ROA) Abstract This study aims to determine how much influence the Loan to Deposit Ratio (LDR) and Capital Adequancy ratio (CAR) on Financial Performance in the Banking sector listed on the Indonesia Stock Exchange (IDX) for the 2014-2019 period. The research method used is descriptive and verification. The population during the study period from 2014-2019 was 43 banks. The research sample taken by purposive sampling of 30 banks in this study so that the total data processed is as much as 180 data. Data analysis used panel data regression analysis at the 5% significance level. In analyzing data using Eviews 10, a classic assumption test was previously performed and continued with a model test. The results showed that the model test was accepted, meaning that the equation obtained was correct, then simultaneously the Loan to Deposit Ratio (LDR), and the Capital Adequancy ratio (CAR) affected the Financial Performance. And the partial test results show that only the Capital Adequacy Ratio (CAR) has an effect on Financial Performance, while the Loan to Deposit Ratio (LDR) has no effect on Financial Performance. Keywords : Loan to Deposit Ratio, Capital Adequancy Ratio, company performance and Return on Asset