PENGARUH RISIKO USAHA TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK PEMBANGUNAN DAERAH

The purpose of this study was to determine whether there is a variable effect LDR, IPR, NPL, IRR, BOPO and FBIR to CAR on Regional Development Bank in Indonesia simultaneously or partially. This study uses population Regional Development Bank in Indonesia, the selection of the sample based on a purposive sampling technique. With documentation methods to collect data from published financial statements of Bank Indonesia and the use of multiple linear analysis techniques to perform the analysis. Based on the calculations and the results obtained testing the hypothesis that simultaneous variables LDR, IPR, NPL, IRR, BOPO and FBIR has a significant effect on CAR. While partially LDR, IPR, NPL, BOPO has no significant negative effect, the IRR has a significant influence, and FBIR has no significant positive effect. Among the six independent variables LDR, IPR, NPL, IRR, BOPO and FBIR the most dominant influence on CAR is the IRR, because it has the highest partial determination keoefisien value that is equal to 6.1 percent when compared with the value of the coefficient deteminasi parial the other independent variables. It can be concluded that the market risk has the dominant influence on the bank's CAR study sample compared with other risks. Keyword : Liquidity Risk, Credit Risk, Market Risk, Operational Risk, CAR, LDR, IPR, NPL, IRR, BOPO, and FBIR