PENGARUH LIKUIDITAS BANK DAN KREDIT BERMASALAH TERHADAP TINGKAT KECUKUPAN MODAL

Abstract

The Purpose of this study was to determine how the effect of Liquidity and Non
Performing Loans to bank capital adequancy. This research sampling using purposive
sampling to commercial banks listed in Indonesia Stock Exchange and publish their
financial statements in the period 2010-2012. The samples used in this research were 93
banks listed in Stock Exchange 2010-2012. Methods of analysis used linear analysis
methods, the classical assumption and hypothesis testing were processed using SPSS 15.0
software. The result obtained are Loan to Deposit Ratio and Non Performing Loan
negatively affect the Capital Adequancy Ratio. Where the high value of bank’s LDR and
NPL will decrease the bank’s CAR.