Pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio & Return on Assets terhadap Perubahan Laba (Studi Empiris pada Perusahaan Perbankan yang Listed di BEJ)

Abstract

The purpose of this study was to determine the effect of capital adequacy ratio, loan to deposit
ratio & Return On Assets to changes in earnings. In this study using the type of quantitative
research. Data analysis tools used multiple regression, T test, F test and determination. The
results of the partial test showed that CAR, LDR and ROA had a significant effect, on the T-test
CAR and ROA had an effect on changes in profit, in the F Car test, LDR and ROA had an effect on
changes in earnings. Simultaneously CAR, LDR, and ROA have a significant effect on changes in
profit for the next one year in banking companies listed on the BEJ. The magnitude of the
influence is 15.9% and the remaining 84.1% is influenced by other variables outside the study. So
it can be concluded that the ability of the independent variable is very small to detect changes in
earnings in this study, which is only 15.9%.