The Influence of Liquidity Ratio And Capital Adequacy Ratio to Bank’s Profitability (Empirical study On Joint Venture Banks In Indonesia for Period 2010-2012)

ARZA, INDAH FOTIA (2014) The Influence of Liquidity Ratio And Capital Adequacy Ratio to Bank’s Profitability (Empirical study On Joint Venture Banks In Indonesia for Period 2010-2012). Other thesis, ANDALAS UNIVERSITY.

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Abstract

BIODATA a). Tempat/Tgl Lahir : Lubuk Sikaping/ 23Januari 1992 b). Nama Orang Tua : Yusrizal(Alm)/Artita c). Fakultas : Ekonomi d). Jurusan : Akuntansi e). No.Bp : 0910534032 f). Tanggal Lulus : 7 Januari 2014 g). Predikat lulus : Sangat Memuaskan h). IPK : 3.13 i). Lama Studi : 4 Tahun 5 bulan j). Alamat Orang Tua: Jln KH A Dahlan no 05 Guguak Malintang, Padang Panjang The Influance of Liquidity Ratio And Capital Adequacy Ratio to Bank’s Profitability (Empirical study On Joint Venture Banks in Indonesia For Period 2010-2012) Thesis By: Indah Fotia Arza Thesis Advisor: Drs.Riwayadi MBA, Ak, CSRS ABSTRACT The purpose of this research is to obtain evidence about the influence of Liquidity Ratio in term of Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) on bank’s Profitability. This research was conducted at Joint Venture Banks in Indonesia. Types of research are descriptive and quantitative verification approach by testing all variables that used in this research. The sampling technique used in this research is purposive sampling, with some criteria, those are: (1) Banking companies that published financial reportys for three consecutive years from 2010-2012; (2) financial statements which had ended on 31 december in order to avoid the influence of partial time in the calculation of financial ratios;. Analysis method used is multiple regression analysis, t-Test, F-Test and coefficient of determination analysis (R2). The result of this research shows that the data has fulfill the classical asumption, such as: no multicolinearity, no autocorrelation, no heteroscedasticity and distributed normally. From the hyphothesis testing of this research indicates that Capital Adequacy Ratio (CAR) has a positive and significant effect on Return on Asset (ROA), meanwhile Loan to Deposit Ratio (LDR) has positive but not significant effect on Return on Asset. In addition, simultaneously Loan to Deposit Ratio and Capital Adequacy Ratio have significant effect on Return on Asset. All of independent variables in this study are only accounted for 39,9% that affect on dependent variable and the remaining 60,1% is influenced by other factors that are not included in the regression model as shown in the adjusted R2 value. Keywords: Loan to Deposit Ratio, Capital Adequacy Ratio, Profitability Skripsi telah dipertahankan di depan sidang penguji dan dinyatakan lulus pada tanggal 29 November 2013, dengan penguji : Mengetahui : Ketua Jurusan Akuntansi: Dr. Efa Yonnedi SE, MPPM, Ak NIP.197205021996021001 Tanda tangan Alumnus telah mendaftar ke fakultas dan telah mendapat Nomor Alumnus : Tanda Tangan Nama Terang Rayna Kartika.SE.M.Com,Akt Drs.Riwayadi,MBA,Ak,CSRS ABSTRACT The purpose of this research is to obtain evidence about the influence of Liquidity Ratio in term of Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) on bank’s Profitability. This research was conducted at Joint Venture Banks in Indonesia. Types of research are descriptive and quantitative verification approach by testing all variables that used in this research. The sampling technique used in this research is purposive sampling, with some criteria, those are: (1) Banking companies that published financial reportys for three consecutive years from 2010-2012; (2) financial statements which had ended on 31 december in order to avoid the influence of partial time in the calculation of financial ratios;. Analysis method used is multiple regression analysis, t-Test, F-Test and coefficient of determination analysis (R2). The result of this research shows that the data has fulfill the classical asumption, such as: no multicolinearity, no autocorrelation, no heteroscedasticity and distributed normally. From the hyphothesis testing of this research indicates that Capital Adequacy Ratio (CAR) has a positive and significant effect on Return on Asset (ROA), meanwhile Loan to Deposit Ratio (LDR) has positive but not significant effect on Return on Asset. In addition, simultaneously Loan to Deposit Ratio and Capital Adequacy Ratio have significant effect on Return on Asset. All of independent variables in this study are only accounted for 39,9% that affect on dependent variable and the remaining 60,1% is influenced by other factors that are not included in the regression model as shown in the adjusted R2 value. Keywords: Loan to Deposit Ratio, Capital Adequacy Ratio, Profitability PetugasFakultas / Universitas No AlumniFakultas Nama: Tanda tangan: No Alumni Universitas Nama: Tanda tangan:

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