Pengaruh Kualitas Aset, Likuiditas, Dan Profitabilitas Terhadap Tingkat Kecukupan Modal Perbankan (Studi Empiris Pada Perusahaan Perbankan yang Terdaftar di BEI)
Abstract: This research aim to
obtain empirical evidence. (1) the influence on asset quality of bank capital adequacy levels. (2) influensce
of liquidity on the capital adequacy levels. (3)influence the profitability of
the capital adequacy levels.This research classified the causative research.The
population is the entry banking companies listed on BEI in the year 2008-2012. Sample was determined by purposive sampling method a
total of 26 companies. Data colection methods using panel regresion
analysis,the level of bank capital adequacy as a dependent variabel,asset
quality, liquidity, and profitability as independent variable. Data procesing using
eview6.
The results of this research concluded that (1) a significant negative
influence on the asset quality with a capital adequacy levels of significance
value 0.0965 < 0,10 (H1 accepted). (2) The absence of influence of liquidity
on the capital adequacy of bankingwith a significance value of 0.4849 > 0,10
(H2 rejected ). (3) Positif significant effect on the profitability of banks
capitaladequacy level with a significance value 0,0000 < 0,10 (H3 accepted).
Based on the results it is
adviseble for banking institution in indonesia, should improve asset
management capabilities in order to avoid losses that could reduce profits and
finally reduce the level of bank’s capital adequacy. It is also advisable for
investors to pay attention to the level of risk of the banking industry before
investing, which can be seen from the amount of NPL as a variable that
influence the capital adecuacy ratio (CAR) of a bank. For the next research
should expand the number ofsamples and adding other variables that affect the
level of capital adequacy.
Keyword: Capital Adequacy
Ratio (CAR), Asset Quality (NPL), Likuidity (LDR), and Profitability (ROA)
Penulis: Feby Lovianan Nazaf
Kode Jurnal: jpakuntansidd140678
