THE ANALYSIS OF CAPITAL ADEQUACY RATIO (CAR), LOAN TO DEPOSIT RATIO (LDR) AND RETURN ON ASSETS (ROA) TOWARD INTEREST RATE ON ONE MONTH TIME DEPOSIT (AT PT BANK DBS INDONESIA FROM 2002 - 2011)

Abstract

This research has an objective to analyze the effect on Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) towards interest rate on one month time deposit at PT Bank DBS Indonesia from 2002 to 2011. The interest rate shows how much the return will be obtained by the investor over the funds invested in a bank. Therefore, it is important for a bank to analyze some of the factors to determine the interest rate targeted in accordance with the banking and economic situation. The sample collection techniques used in this research is purposive sampling method. The population in this research is financial statement data namely Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) at PT Bank DBS Indonesia from 2002 to 2011. Analysis technique used in this research is multiple regression by using SPSS, the hypothesis testing using T-Test, F-Test and R2 (regression coefficient test) and classic assumption test including normality test, multicollinearity test, heteroscedasticity test, and autocorrelation test. Based on this research, regression formula had found as: Y = 3.631 + 0.76 LDR. Conclusion from this research describe that statistical result of LDR variable show positive and significant influence towards deposit interest rate determination, CAR variable does not have significant influence towards interest rate on deposit, and also ROA does not have significant influence towards deposit interest rate. R value on this research is 0.435, this mean that 43.5% of interest rate is affected by Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and Return on Assets (ROA) while the remaining of 56.5% is affected by other variables outside the equation.