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

The study aimed to analyze whether the LDR, IPR, NPL, IRR, PDN, BOPO, FBIR, and ROA have significant influence simultaneously and partially to CAR on Foreign Exchange National Private Banks. Samples were four banks, namely Bank ICBC Indonesia, Bank KEB Hana Indonesia, Bank Mayapada International and Bank QNB Indonesia. Data and methods of data collection in this research is secondary data drawn from the financ ial statements of Foreign Exchange National Private Banks from the period of 2011 to the second quarter 2016. The data analysis technique is descriptive analysis and multiple linier regression analysis, f test and t test. The results showed thet the LDR, I PR, NPL, IRR, PDN, BOPO, FBIR, and ROA have significant influence partially and simultaneously to CAR on Foreign Exchange National Private Banks. This study also found that IPR and IRR partially have a significant positive effect on the CAR, while the NPL partially have a significant negative effect on the CAR of Foreign Exchange National Private Banks. LDR, FBIR, and ROA partially have a unsignificant negative effect on CAR, while the PDN and BOPO partially have a unsignificant positive effect on the CAR of Foreign Exchange National Private Banks. Key words : Liquidity Ratio, Asset Quality Ratio, Sensitivity Ratio, Efficiency Ratio, Profitability Ratio