Detail Inovasi Perguruan Tinggi


Tema: Journal of Advanced Research in Dynamical and Control Systems (JARDCS) ISSN: 1943-023X Vol.11, No. 03, Special Issue, 2019
Judul: Capital Adequacy Ratio, Loan to Deposit Ratio, Operational Costs on Operational Income, The Influence on Return on Equity
Perguruan Tinggi: Universitas Widyatama
Jenis/sdm: dosen/0314125502#8881101019

Tahun: 2019

The research is intended to describe and measure the Influence of Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and Operational Costs to Operating Income (OCOI) on Return on Equity (ROE) in Private Commercial Banks in Indonesia based on the phenomenon that there is a decline in performance finance when the real sector situation experiences growth. Testing is done by designing a hypothesis deduction model of the conceptual paradigm of research. The research population of Private Commercial Banks listed on the Indonesia Stock Exchange in the 2014-2016 period amounted to 43 banks, the samples tested were 40 banks taken with Purposive sampling techniques in accordance with the terms and criteria the banks consistently published financial statements and had positive Return On Equity and banks - banks that do not violate regulations stipulated by Bank Indonesia. Analysis uses multiple regression and hypothesis testing using the t test - student 5% significance level. The results of the study show that the average value of Capital Adequacy Ratio, Loan to Deposit Ratio, Operating Costs to Revenues to Operations, Return on Equity varies greatly. The results of hypothesis testing indicate that the Capital Adequacy Ratio has a significant Influence on the Return on Equity variable, the Loan to Deposit Ratio has a significant Influence on the Return on Equity variable, and the Operational Cost to Operational Income variable is not tested because the confidence level is not fulfilled.