PENGARUH CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR), OPERATING EXPENCES TO OPERATING INCOME RATIO (BOPO) DAN NON-PERFORMING LOAN (NPL) TERHADAP PENYALURAN KREDIT (Studi Pada Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Perio

Abstract

This study aims to examine the relationships of financial ratios Capital Adequacy Ratio ( CAR ) , Loan to Deposit Ratio ( LDR ) , Operating expences To Operating Income Ratio ( BOPO ) , and Non - Performing Loan ( NPL ) credits distribution partially and simultaneously.

The data used in this study are listed banking companies in Indonesia Stock Exchange for 5 consecutive years - also , ie 2008 to 2012. The criteria used is a company whose shares are actively traded on the Stock Exchange , for 5 consecutive years . This study uses multiple regression analysis , t-test for testing the ratio - the ratio of the partial finance , and test f .

The results of statistical calculation with linear regression analysis can be shown by the regression equation  Y = 32.260,676  -  1.955,127 X₁  + 580,887 X₂  –  2.689,451 X₃ + 588,208 X₄. From the regression equation it is known that the CAR, LDR ,BOPO , and NPL , jointly significant effect on Loan Portfolio . The results of the calculation of the magnitude of the coefficient of determination 0.525 . It is indicating that the CAR ,LDR , BOPO , and NPL  were able to explain the purchase decision variables by 52.5 % . While the remaining 47.5 % is explained by other variables that are not observed . Based on the results of the data analysis we can conclude the effect of the CAR , LDR, BOPO , the NPL and credits distribution has a strong degree of closeness of relationship this means that the higher the CAR , LDR , BOPO , the NPL will result in the higherCredits Distribution