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Abstrak (Bhs. Indonesia)

Penelitian ini mengambil judul : “Determinan Capital Adequacy Ratio (CAR) dan Pengaruhnya Terhadap Return On Asset (ROA) Pada Perusahaan Perbankan di Indonesia (Studi Kasus Bank Umum Indonesia yang Terdaftar di Bursa Efek Indonesia Periode 2012-2016)”. Tujuan penelitian ini adalah untuk menganalisis pengaruh Debt to Equity Ratio (DER), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) terhadap Capital Adequacy Ratio (CAR) dan pengaruh Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA). Sampel dalam penelitian ini adalah Bank Umum Indonesia yang Terdaftar di Bursa Efek Indonesia Periode 2012-2016. 
Populasi dalam penelitian ini adalah Perusahaan Perbankan berdasarkan laporan keuangan IDX yang diambil dengan pertimbangan tertentu. Jumlah sampel dalam penelitian ini ditentukan berdasarkan metode Purposive Sampling, dan ditentukan jumlah sampel sebanyak 13. Pengujian 
Berdasarkan hasil penelitian dan analisis data dengan menggunakan regresi bertahap (dibantu alat analisis software SPSS.20 for windows) menunjukkan bahwa Debt to Equity Ratio (DER) berpengaruh negatif terhadap Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) tidak berpengaruh terhadap Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) tidak berpengaruh terhadap Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) berpengaruh negatif terhadap Capital Adequacy Ratio (CAR), Capital Adequacy Ratio (CAR) berpengaruh terhadap Return On Asset (ROA). 
Implikasi dari kesimpulan diatas yaitu dalam penilaian tingkat kesehatan bank, bank perlu mempertimbangkan besarnya hutang dan dari mana sumber dana yang diperoleh untuk membayar bunga dan pokok pinjaman. Bank perlu memperhatikan  kredit bermasalahnya agar bisa selalu ditekan,  sehingga tidak berdampak buruk bagi bank. Bank juga lebih meningkatkan jumlah kredit yang diberikan dibandingkan dana pihak ketiga sehingga perusahaan memiliki kemampuan dalam pemenuhan penarikan deposan dengan mengandalkan kredit yang diberikan. Selain itu bank lebih memperhatikan jumlah modal dan mempertahankan kecukupan modal yang dimiliki agar profitabilitas bank tinggi.

Abtrak (Bhs. Inggris)

The title of this research is : "Determinant of Capital Adequacy Ratio (CAR) and Influence Return On Asset (ROA) at Banking Company in Indonesia (Case Study of Indonesian Commercial Bank Listed on Indonesia Stock Exchange Period 2012-2016)". The purpose of this research is to analyze the impact of Debt to Equity Ratio (DER), Non Performing Loan (NPL), Net Interest Margin (NIM), Loan to Deposit Ratio (LDR) to Capital Adequacy Ratio (CAR) and Capital Adequacy Ratio (CAR)  to Return On Assets (ROA). 
Population of the research is Banking Company based on IDX financial report which is taken with certain criteria.  The number of samples in this study was determined based on Purposive Sampling method, and determined the number of samples as much as 13.
Based on the results and data analysis using step regression (helped by software SPSS.20 for windows) shows that Debt to Equity Ratio (DER) has a negative and signification impact to Capital Adequacy Ratio (CAR), Non Performing Loan (NPL) has no impact to Capital Adequacy Ratio (CAR), Net Interest Margin (NIM) has no impact to Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) has a negative and signification impact to Capital Adequacy Ratio (CAR), Capital Adequacy Ratio (CAR) has a positive and signification impact to Asset (ROA).
The implications from the conclusions is in the assessment of the level bank’s health, the bank needs to consider the weight of the debt and from which source obtained to pay interest and principal on the loan. The Bank needs to pay attention to its problematic credit to always be suppressed, so as not to be bad for banks. The Bank also further increase the amount of credit given to third party funds in comparison so that companies have the ability in fulfilling the withdrawal of depositors to rely on credit given. In addition, the bank pay more attention to the amount of capital and maintaining the adequacy of capital owned so that the profitability of the bank.  
Keywords : Debt to Equity Ratio (DER), Non Performing Loan (NPL) Net Interest Margin (NIM), Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR) and Return On Asset (ROA).

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