PENGARUH KUALITAS ASET, TINGKAT EFISIENSI, LIKUIDITAS TERHADAP RASIO KECUKUPAN MODAL PADA BANK PERKREDITAN RAKYAT

Abstract

This research aimed to find out the effect of asset quality which was measured by Non-Performing Loan (NPL), efficiency level which was measured by Operating Expenses Operating Income, and liquidity which was measured by Loan to Deposit Ratio (LDR) on the Capital Adequacy Ratio which was measured by CAR. The research was quantitative. The population was 234 BPR in East Java listed on the Finance Service Authority. Moreover, the data collection technique used purposive sampling, in which the sample was based on the criteria given. In line with that, there were 216 companies in the sample. The data were taken for 3 years (2020-2022). In total, there were 646 data samples. Furthermore, the data analysis technique used multiple linear regression. The result concluded that NPL had a positive effect on capital adequacy ratio. However, LDR had a negative effect on capital adequacy ratio. On the other hand, Operating Expenses Operating Income did not affect capital adequacy ratio.