PENGARUH LIKUIDITAS, KUALITAS AKTIVA, SENSITIVITAS, EFISIENSI DAN PROFITABILITAS TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SWASTA NASIONAL NONDEVISA DI INDONESIA

This research aims to examine whether LDR, IPR, NPL, APB, IRR, BOPO, ROA, and ROE both simultaneously and partially have significant effect towards Capital Adequacy Ratio(CAR) on National Private Non Foreign General Banks in Indonesian. The samples used in research are Bank Victoria, Bank Bukopin, and Bank Tabungan Pensiunan. It uses secondary data for the analysis. The data are taken from published financial report of Otoritas Jasa Keuangan from first quarter of 2011 until fourth quarter of 2015. The data analysis technique uses multiple regression analysis. The result of the research shows that LDR, IPR, NPL, APB, IRR, BOPO, ROA and ROE, simultaneously have significant effect towards Capital Adequacy Ratio(CAR)on National Private Non Foreign General Banks in Indonesian. NPl, APB partially have positive insignificant effect towards CAR. LDR, IPR, ROA partially have positive significant effect towards CAR. ROE partially have negative in significant effect towards CAR. APB, IRR partially have negative significant effect towards CAR. While among the nine variables, the most dominant variable is LDR. Key word : Liquidity, Asset Quality, Sensitivity, Efficiency, Profitability toward Capital Adequacy Ratio(CAR)