Analisis Pengaruh CAR, ROA, LDR Dan Inflasi Terhadap Tingkat Suku Bunga Deposito Pada Bank Umum

Abstract

The purpose of this study is to analyze the effects of Capital Adequacy Ratio (CAR), Return On Assets (ROA), Loan To Deposit Ratio (LDR) and Inflationtoward Time Deposit Interest Rate of Commercial Bank in Indonesia. Population of this study is all of commercial bank in Indonesia. There are 120 banks that are included. The data in this study are secondary data that is inflation rate and commercial bank financial performance on 2003 – 2011 obtained from Indonesian MonetaryEconomic Statistics (SEKI) and Indonesian Banking Statistic (SPI) that had been published by Bank Indonesia. This research proves that inflation rat, Capital Adequacy Ratio (CAR), Return On Assets(ROA), Loan To Deposit Ratio (LDR) and Inflation simultaneously have significant effect to Time Deposit Interest Rate of Commercial Bank in Indonesia. Whereas the variables that partially have significant effect are inflation rate, while Capital Adequacy Ratio (CAR), Return On Assets (ROA), Loan To Deposit Ratio (LDR) variable doesn’t have significant effect.