Pengaruh Risiko Usaha Terhadap Capital Adequacy Ratio (Car) Pada Bank Umum Swasta Nasional Non Devisa

CAR is one of the indicators used to measure bank capital adequacy. Capital for banks is used to absorb losses originating from banking activities, and as a basis for several policies issued by Bank Indonesia. The aim of this study to determine whether the independent variables LDR, IPR, NPL, APB, IRR, BOPO and FBIR both simultaneously and partially have a significant effect on CAR and which variable is the most effect on CAR. This study used secondary data taken from financial statements with period the first quarter of 2013 to the second quarter of 2018 in the Non Foreign National Private Commercial Banks. The sample consisted of Artos Indonesia Bank, Dinar Indonesia Bank and Mitraniaga Bank. Data is processed using SPSS 16 and F test to evaluate the effect simultaneously and t test to see the effect partially. The results of this study revealed that LDR, IPR, NPL, APB, IRR, BOPO and FBIR simultaneously have a significant effect on CAR. LDR, NPL and APB partially has unsignificant negative effect on CAR. IPR partially has a negative significant effect on CAR. IRR and FBIR partially has a posittive significant effect on CAR. BOPO partially has a posittive significant effect on CAR. The most dominant is the IRR of 65.93 percent. Keywords: Liquidity Risk, Market Risk, Credit Risk and Operational Ris