Pengaruh Biaya Operasional Terhadap Pendapatan Operasional Dan Non Performing Loan Terhadap Capital Adequacy Ratio

Bank harus mampu menjaga kepercayaan masyarakat oleh karena itu rasio kecukupan modal sangat penting bagi bank untuk menilai kemampuan modal yang dimiliki bank dalam menampung risiko kerugian. Penelitian ini bertujuan untuk menguji pengaruh Biaya Operasional terhadap Pendapatan Operasional dan Non Performing Loan terhadap Capital Adequacy Ratio pada Bank yang terdaftar di Bursa Efek Indonesia Jumlah sampel penelitian ini adalah berjumlah 186 laporan keuangan bank yang terdaftar di Bursa Efek Indonesia periode 2012-2017 yang dipilih secara Purposive Sampling. Metode analisis yang digunakan adalah analisis regresi linier berganda.Berdasarkan hasil penelitian yang dilakukan ini menunjukan bahwa secara parsial Biaya Operasional terhadap Pendapatan Operasional (X1) berpengaruh signifikan negatif terhadap Capital Adequacy Ratio (Y) sedangkan Non Performing Loan (X2) tidak berpengaruh terhadap Capital Adequacy Ratio (Y) pada Bank yang terdaftar di Bursa Efek Indonesia periode tahun 2012-2017

Banks must be able to maintain public trust, therefore the capital adequacy ratio is very important for banks to assess the ability of capital owned by banks in accommodating the risk of losses. This study aims to examine the effect of Operational Costs on Operating Income and Non-Performing Loans on the Capital Adequacy Ratio of Banks listed on the Indonesia Stock Exchange The number of samples of this study were 186 financial statements of banks listed on the Indonesia Stock Exchange for the 2012-2017 period which were selected by purposive sampling. The analysis method used is multiple linear regression analysis. Based on the results of this research, it is shown that partially Operational Costs of Operating Income (X1) have a significant negative effect on Capital Adequacy Ratio (Y) while Non Performing Loans (X2) have no effect on Capital Adequacy Ratio (Y) on Banks listed on the Exchange Indonesian securities for the 2012-2017 period