Likuiditas, Profitabilitas dan Kecukupan Modal Bank Di Indonesia

Djaja Perdana


The bank liquidity become a serious concern for the government with the issuance of regulations that require banks in Indonesia to meet the liquidity coverage ratio. However, the effort to establish an adequate level of liquidity has resulted in banks having to make adjustments to their capital structure so that they are thought to have an influence on the capital adequacy ratio, on the other hand, banks must also increase profitability for business continuity. This study investigates the effect of the level of liquidity proxied by loan-to-asset ratio and profitability proxied by return-on-equity and net-profit margin on the level of capital adequacy ratio of the sample. 40 banking sector companies listed on the Indonesia Stock Exchange during the 2014-2020 period. The data were analyzed using a multivariate model with an ordinary least squares approach. The results of this study prove that the loan-to-asset ratio and return-on-equity ratio have a negative effect on the capital adequacy ratio. While the net-profit margin has a positive effect on the capital adequacy ratio.


capital-adequacy-ratio; liquidity; profitability

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