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PENGARUH CAPITAL ADEQUACY RATIO (CAR) TERHADAP LOAN TO DEPOSIT RATIO (LDR) PADA PT. BANK PUNDI INDONESIA, TBK

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This study, entitled "Effect of Capital Adequar,y Ratir-r To The Loan to Deposit Ratio at PT. Pundi Bank lndonesia Tbk ". This study aimed to determine the Capital Adequacy Ratio and Loan to Deposit Ratio and also determine the effect of the Capital Ade4uacy Ratio of Loan to Deposit Ratio at PT. Pundi Bank lndonesia, Tbk. This research was conducted by using descriptive method, by collecting, prcsenting, and analyzing the data that the company's financial overview that can provide a clear enough picture ofthe object under study and draw conclwions based on research conducted by using SPSS software. Based on the research results obtained in mind that the average Capital Adequacy Ratio (CAR) d PT. BaDk Pundi Indonesia, Tbk from 2(M tD 2013 amounted to 14.118 per year. While the average Loan to Deposit Ratio (LDR) at PT. Bank Pundi lndonesia, Tbk Aom 20M to 2013 amounted to 76.884 per year. The results of the correlation cneffrcient indicated that the CAR had a shong relationship to the LDR with r = 0.683. Results of linear regression showed rhat CAR had a negative effect on the LDR with lhear regression equation Y -- 87.837 - 0,761X. The coefficient of determination shown that the contribution of variable X (CAR) of the LDR of z16 .7Yo and the remaining 53.3Vo wx influenced by other factors outside of this research. Significance test results of -2.684 (-2.684 A:05) so that Ho was accepted. This means that the CAR had no significant effect on LDR. ll