Analysis of Capital Adequacy Ratio, Operational Costs of Operational Income, Net Interest Margin, and Non Performing Loan Towards Loan to Deposit Ratio in Go Public Conventional Banks, 2012 – 2017 Periods

Mochamad Soelton*, Tri Wahyono, Ogie Trydianto Mn, Dian Faqihdien Suzabar, Taufik Akbar and Mardaconsita
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Mochamad Soelton*: Universitas Mercu Buana, Indonesia
Tri Wahyono: Universitas Mercu Buana, Indonesia
Ogie Trydianto Mn: Mercu Buana, Indonesia
Dian Faqihdien Suzabar: Universitas Brawijaya, Universitas Brawijaya
Taufik Akbar: University of Science, Malaysia
Mardaconsita: Universitas Mercu Buana, Indonesia

International Journal of Economics and Financial Research, 2019, vol. 5, issue 3, 56-60

Abstract: This research aims to identify and analyze the effect of Capital Adequacy Ratio (CAR), Operation Expense (BOPO), Net Interest Margin (NIM), and Non Performing Loan (NPL) of the Loan to Deposit Ratio (LDR) of conventional bank on the Indonesia Stock Exchange period 2012 – 2017, either simultaneously or partially. Independent variables used in this study is CAR, BOPO, NIM and NPL, while LDR as the dependent variable.The population in this research is conventional bank listed on the Indonesia Stock Exchange. The sampling technique in this research is purposive sampling. The number of samples in accordance with the prescribed criteria are as many as 35 samples. Based on the result of the research found that the variable CAR influences negatively insignificantly toward LDR, BOPO and NIM influences positively insignificantly toward LDR, while the variable NPL influences positively significantly toward CAR. But simultaneously CAR, BOPO, NIM, and NPL jointly affect the LDR.

Keywords: Loan to deposit ratio (LDR); Conventional bank; Capital adequacy ratio (CAR); Operating cost (BOPO); Net interest margin (NIM); And non performing loan (NPL). (search for similar items in EconPapers)
Date: 2019
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