Effect Analysis of CAR, BOPO, NPL, ROA, and Total Assets on LDR at Bank DKI (Period of 2014 – 2018)

Yuda Adipraya Iskandar
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Abstract

Managing liquidity at a bank as an intermediary institution, is very important. Liquidity itself is considered as a reflection of the trust of customers or investors to bank. By knowing the factors that affect liquidity, banks are able to manage liquidity better. This study aims to analyze the variables that affect liquidity which is proxied by Loan to Deposit Ratio (LDR) at Bank DKI. The independent variables used are Capi-tal Adequacy Ratio (CAR), Operating Expenses on Operating Income (BOPO), Non Performing Loans (NPL), Return On Assets (ROA), and Total Assets. The data was obtained from secondary data from fi-nancial statements issued by Bank DKI in the period January 2014 to December 2018. The sampling tech-nique used purposive sampling. The hypothesis in this study is based on previous research and various oth-er supporting theories which are then analyzed using multiple linear regression analysis with Eviews 9. The results of this study indicate that CAR and NPL have a positive effect on LDR, Total Assets negative-ly affect LDR, ROA has no effect on LDR while BOPO cannot be used because of multicollinearity.
DKI银行CAR、BOPO、NPL、ROA、总资产对LDR的影响分析(2014 - 2018年)
银行作为一个中介机构,管理流动性是非常重要的。流动性本身被认为是客户或投资者对银行信任的反映。通过了解影响流动性的因素,银行能够更好地管理流动性。本研究旨在分析影响DKI银行流动性的变量,以贷存比(LDR)为代表。使用的自变量是资本充足率(CAR),营业收入的营业费用(BOPO),不良贷款(NPL),资产收益率(ROA)和总资产。数据来自2014年1月至2018年12月期间DKI银行发布的财务报表的辅助数据。抽样技术采用目的性抽样。本研究中的假设是基于先前的研究和各种其他支持理论,然后使用Eviews 9进行多元线性回归分析。本研究结果表明,CAR和NPL对LDR有正向影响,总资产对LDR有负向影响,ROA对LDR没有影响,而BOPO由于多重共线性而不能使用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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