Pengaruh Likuiditas, Kualitas Aset, Efisiensi Usaha, Sensitivitas Terhadap Pasar, Dan Profitabilitas Terhadap Rasio Kecukupan Modal Pada Bank Pemerintah

The purpose of this study was to determine the effect of LDR, IPR, NPL, APB, BOPO, IRR, PDN, ROA, and NIM on capital adequacy (CAR) at Stated Owned Banks. This study uses a population of state banks listed on the Indonesia Stock Exchange during the first quarter of 2013 until the second quarter of 2018. The criteria for sampling techniques are based on total capital above Rp. 20,000,000,000. The results of this study indicate that the variables LDR, IPR, NPL, APB, BOPO, IRR, PDN, ROA, and NIM simultaneouslyhave a significant effect on the CAR variable. While partially the LDR and ROA variables partially have a significant positive effect on CAR; the variables of IPR, NPL, BOPO, PDN, and NIM partially have no significant positive effect on CAR; while the APB and IRR variables partially have no significant negative effect on CAR.The most dominant variable affecting CAR is the LDR. Keyword : Liquidity, Asset Quality, Business Efficiency, Sensitivity to Markets, Profitabilit