Pengaruh Risiko Usaha terhadap Permodalan pada Bank Pembangunan Daerah
Daftar Isi:
- The core capital adequacy ratio is one of the indicators used to measure a bank's Tier 1 capital adequacy. Bank capital is used to absorb possible risks from banking activities, and as the basis for several policies issued by Bank Indonesia. The purpose of this study was to analyze the significant effect of Loan to Deposit Ratio (LDR), Investing Policy Ratio (IPR), Adversely Classified Asset (Non-Performing Assets / APB), Non Performing Loans (NPL), Interest Rate Risk (IRR), Operational Expenses and Operational Income (BOPO) and Fee Based Income Ratio (FBIR) partially and simultaneously to the core capital adequacy ratio of Regional Development Banks (BPD). This study used a sample of Bank BPD Jambi, BPD Central Kalimantan BPD Central Sulawesi. The data collection method is documentation. The data used are BPD financial reports for the period of the first quarter of 2015 to the second quarter of 2020. The data analysis technique uses multiple linear regression analysis. The results showed that LDR, IPR, APB, NPL, IRR, BOPO and FBIR had a significant effect simultaneously on the core capital adequacy ratio. IPR and FBIR have a significant effect on the core capital adequacy ratio partially, the dominant variable affecting the core capital adequacy ratio is FBIR. Keywornd: LDR, IPR, APB, NPL, IRR, BOPO, FBIR, dan core capital adequacy ratio.