Pengaruh Likuiditas, Kualitas Aktiva, Sensitivitas Pasar, Efisiensi dan Profitabilitas terhadap Capital Adequacy Ratio pada Bank Pembangunan Daerah

CAR is an indicator used to measure bank capital adequacy. Bank capital is used to absorb losses arising from banking activities. The purpose of this study was to determine whether the independent variables LDR, IPR, APB, NPL, IRR, BOPO, FBIR, and ROA both simultaneously and partially had a significant effect on CAR and which variables had the most dominant influence on CAR. This study uses secondary data in the form of published financial reports for the first quarter of 2015 to the fourth quarter of 2019 at the Regional Development Bank with a sample consisting of the Lampung Regional Development Bank, the Bengkulu Regional Development Bank, the Jambi Regional Development Bank. The data were processed using SPSS 16.0 with the F test and t test. The results showed that LDR, IPR, APB, NPL, IRR, BOPO, FBIR and ROA simultaneously had no significant effect on CAR. LDR, APB, IRR, FBIR and ROA partially have a positive and insignificant effect on CAR. IPR, NPL and BOPO partially have a negative and insignificant effect on CAR. The most dominant variable is APB with a contribution of 5.06 percent. Keywords: Liquidity, Asset Quality, Sensitivity to Market, Efficiency, and Profitability