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CAPITAL ADEQUATION RATIO (CAR) ANALYSIS OF BRI IN INDONESIA PERIOD 2009 TO 2022

Heri Sasono

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ABSTRACT

Banking institutions basically have a very important and strategic role in national economic development. Banks have a function as financial intermediaries by collecting funds from parties who have excess funds and channeling them back to parties who need funds, so that the capital adequacy ratio needs to be maintained at all times.

This research wants to see what factors influence the capital adequacy level (CAR) of PT. Bank Rakyat Indonesia (BRI) Persero. The independent variables of this research are Return On Assets (ROA), Operational Costs to Operating Income (BOPO), Non Performing Loans (NPL), Loan to Deposit Ratio (LDR) and Net Interest Margin (NIM). The research period was 14 years from 2009 to 2022. This research used SPSS software version 26, with partial and simultaneous correlation analysis, regression tests and coefficient of determination.

The research results show that only the ROA and BOPO variables have a significant effect on BRI's Capital Adequacy Ratio (CAR), while NIM, NPL and LDR apparently do not have a significant effect on CAR. Together, all independent variables have a significant effect on the capital adequacy ratio (CAR), and have a correlation of 77.8%.

Keywords: ROA, NIM, BOPO, NPL, LDR and CAR