PENGARUH CAR, LDR DAN CIC TERHADAP ROE PERBANKAN YANG TERDAFTAR DI BEI

Abstract

This research is meant to find out the influence of capital adequacy ratio (CAR), loan deposit ratio (LDR) and
cost to income (CIC) to the return on equity (ROE) on the banking companies which are listed in Indonesia
Stock Exchange in 2010-2015 periods. The population is all 31 commercial banks which are listed in Indonesia
Stock Exchange. This study has been done by using purposive sampling method with five criteria so 11
companies have been selected as samples. This data is the secondary data which has been obtained from the
Indonesia Stock Exchange Gallery. The analysis technique has been done by using multiple linear regressions
with its significance level of 5%. Based on the result of this research, it has been found that capital adequacy ratio
(CAR), loan deposit ratio (LDR) and cost to income (CIC) give significant influenceto the return on equity of the
companies with its significance value less than 0.05 or 5%. Meanwhile, based on the result of the test, it has been
found from the determination coefficient (r2) that CIC give dominant influence to the ROE of the company, it
can be seen from the coefficient of r2 values is larger than the CAR and the LDR that is 23.6%.

Keywords: capital adequacy ratio, loan deposit ratio, cost to income, return on equity