Detail Inovasi Perguruan Tinggi

Judul: Pengaruh Net Interest Margin (NIM) Dan Likuiditas Terhadap Capital Adequacy Ratio (Car) Pada Bank Yang Terdaftar Di Bursa Efek Indonesia
Perguruan Tinggi: Sekolah Tinggi Ilmu Ekonomi Kesatuan
Jenis/sdm: dosen/0429106501

Tahun: 2018

Sudirman (2013:93) opined that banks are obliged to provide minimum
capital as of 8 (eight) percent. This can be measured using Capital Adequacy
Ratio (CAR). CAR is a ratio calculated from the amount of Bank’s capital
compared to ATMR. CAR is an indicator of Bank ability to cover its depreciated
assets. This is a result from loss, due to risque assets (Dendawijaya, 2005). Fund
distribution to the society in the form of loans is a Bank main actitivy other than
collecting the fund from third party. The increase in revenues will result in the
increasing of capital, such is with an assumption that the earned revenues are
reinvested into capitals. In accordance to this, then Net Interest Margin (NIM)is
being used to acquire the Bank management ability in managing its productive
assets in order to produce net profit. Liquidity ratios are used to measure a Bank
ability in fulfilling its short term when due (Kasmir, 2009). The larger the ratios,
the more liquid the assets. The relationships of capital and liquidty is firm
enough, the Bank does not need to obtain other source of capital to fulfill its short
term obligations.
Keywords: Net Interest Margin, Likuiditas, Capital Adequacy Ratio.