PENGARUH CAPITAL ADEQUACY RATIO (CAR) DAN BIAYA 
OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL (BOPO) 
TERHADAP LOAN TO DEPOSIT RATIO (LDR) PADA PT BANK 
RAKYAT INDONESIA (PERSERO), TBK PERIODE 2009-2013 
 
Oleh: 
RikhaDwiCahyani 
A10110178 
 
 
Dibawah Bimbingan 
(Dr. H. Herry Achmad Buchory, Drs., SE., MM.) 
 
ABSTRAK 
 
Penelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy 
Ratio (CAR) danBiayaOperasionalterhadapPendapatanOperasional (BOPO)  
terhadap Loan to Deposit Ratio (LDR) pada PT. Bank Rakyat Indonesia (Persero), 
Tbk baik secara parsial maupun secara simultan. 
Metode penelitian yang digunakan adalah metode deskriptif dan verifikatif 
dengan analisis yang digunakan adalah uji Asumsi Klasik meliputi uji Normalitas, 
Heteroskedastisitas, Multikolonieritas,Autokorelasi, Regresi Linear Berganda, 
Analisis Koefisien Korelasi, Analisis Koefisien Determinasi, uji Parsial dan uji 
Simultan. 
Dari hasil pengujian analisis menunjukkan besarnya pengaruh Capital 
Adequacy Ratio (CAR) dan Biaya Operasional terhadap Pendapatan Operasional 
(BOPO)  terhadap Loan to Deposit Ratio (LDR) dari hasil analisis Koefisien 
Determinasi adalah 12,8% dan sisanya 87,2%  dipengaruhi oleh faktor-faktor lain 
yang tidak diteliti oleh penulis. Dari hasil uji T dan F dapat disimpulkan bahwa 
Capital Adequacy Ratio (CAR) dan Biaya Operasional terhadap Pendapatan 
Operasional (BOPO) berpengaruh negative dan tidak signifikan terhadap Loan to 
Deposit Ratio (LDR). 
 
Kata kunci : Capital Adequacy Ratio (CAR), Biaya Operasional terhadap 
Pendapatan Operasional (BOPO), Loan to Deposit Ratio (LDR) 
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THE EFFECT OF CAPITAL ADEQUACY RATIO (CAR) AND 
OPERATIONAL COST TOWARD OPERATIONAL INCOME TO LOAN TO 
DEPOSIT RATIO (LDR) ON PT. BANK RAKYAT INDONESIA (PERSERO), 
TBK PERIOD 2009-2013 
 
 
By: 
RikhaDwiCahyani 
 
 
Adviser by: 
(Dr. H. Herry Achmad Buchory, Drs., SE., MM.) 
 
 
 
ABSTRACT 
 
 This study aims to reveal the effect of Capital Adequacy Ratio (CAR) and 
operating expenses to operating income to Loan to Deposit Ratio (LDR) on PT. 
Bank Rakyat Indonesia (Persero), Tbk Partially or simultaneously. 
 This study employs a descriptive and verification method with a classic 
assumption test that consists of a normality test, heteroscedasticity, 
multicollinearity, autocorrelation, regression multi linear, a coefficient 
correlation analysis, a coefficient determination analysis, a partial test, and a 
simultan test. 
 From the analysis of the test result indicate the magnitude of the effect of 
the Capital Adequacy ratio and operating expenses to operating income to Loan 
to Deposit Ratio (LDR) from result a coefficient determination analysis is 12,8% 
and the remaining 87,2% are influence by other factors not examined by the 
author. From the t-test and f-test result it can be concluded that the Capital 
Adequacy ratio and operating expenses to operating income has a negative and 
significant effect on Loan to Deposit Ratio (LDR). 
 
Keywords: Capital Adequacy Ratio (CAR), Operating Expenses to Operating 
Income (BOPO), Loan to Deposit Ratio (LDR) 
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