The Effect of Capital Adequacy Ratio (CAR) and Non Performing Loan (NPL) on Return On Equity (ROE) PT. Bank Rakyat Indonesia, Tbk, 2007-2017

Trisah Anzelia Putri

Abstract


Research has been carried out with the title The Effect of CAR and NPL on Return On Equity (ROE) at PT. Bank Rakyat Indonesia, Tbk, Observation Period 2007-2017. The purpose of the study was to determine the effect of CAR and NPL either partially or jointly on the ROE of PT. Bank Rakyat Indonesia, Tbk. This study used the Multiple Linear Regression method, with variable X1CAR, variable X2 NPL and Variable Y ROE. The data used in the study were obtained from the official website of PT Bank Rakyat Indonesia Tbk, from www.bri.co.id and from PT Bank Rakyat Indonesia during the observation period 2007-2017, then 11 samples were taken for each variable. The multiple linear regression equation obtained from the results of this study is Y = 0.799 - 2.119 X1 - 4. 375 X2 Then the coefficient of determination obtained from this study is 0.788, which means that CAR and NPL contribute to ROE by 78.8%, while the remaining 21.2% is contributed by other variables outside of this study. From the research results it can be concluded that partially CAR has a significant negative effect on ROE. Partially NPL has a significant negative effect on ROE. CAR and NPL together have a significant positive effect on the Share Price of PT Bank Rakyat Indonesia Tbk. Partially NPL has a significant negative effect on ROE. CAR and NPL together have a significant positive effect on the Share Price of PT Bank Rakyat Indonesia Tbk. Partially NPL has a significant negative effect on ROE. CAR and NPL together have a significant positive effect on the share price of PT Bank Rakyat Indonesia Tbk

Keywords: Non Performing Loan (NPL); Capital Adequacy Ratio (CAR); Return On Equity (ROE)


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