Pengaruh Risiko Usaha terhadap Permodalan pada Bank Pembangunan Daerah

The purpose of this study is the effect of liquidity risk, credit risk, market risk, operational risk on CAR at Regional Development banks. The samples of this research were 3 (three) banks, namely PT. BPD South Kalimantan, PT. Central Kalimantan BPD, and PT. BPD East Nusa Tenggara for the period 2015 to 2020. Liquidity risk variables use LDR, LAR, and IPR, credit risk variables use NPL and APB, market risk variables use IRR, operational risk variables use BOPO and FBIR. This type of research uses secondary research and documentation methods of data collection. The analysis used is multiple linear regression analysis consisting of simultaneous test (F test) and partial test (t test). The results of this study indicate that the LDR, LAR, IPR, NPL, APB, IRR, BOPO, and FBIR variables simultaneously have a significant effect on CAR at Regional Development Banks. The influence of NPL on CAR is the most dominant because it has a partially higher determination coefficient than other independent variables. Keywords: CAPITAL ADEQUACY RATIO (CAR), liquidity risk, credit risk, market risk, operational risk