ABSTRAK Financing To Deposit Ratio (FDR) adalah istilah yang digunakakan untuk mengukur tingkat likuiditas sebuah bank, yang memiliki batas minimum 80%. Likuiditas tinggi membuat bank tidak menjalankan fungsi sebagai penyalur dana (pembiayaan). Naik turunnya Financing To Deposit Ratio (FDR) dipengaruhi oleh dua variabel bebas yaitu Non Performing Finance (NPF) dan Capital Adequacy Ratio (CAR). Adapun tujuan penelitian ini adalah untuk mengetahui dan memahami analisis pengaruh Non Performing Finance (NPF) dan Capital Adequacy Ratio (CAR) terhadap Financing To Deposit Ratio (FDR), baik secara simultan, parsial dan juga untuk mengetahui rasio yang lebih berpengaruh secara dominan terhadap Financing To Deposit Ratio (FDR) . Jenis penelitian yang digunakan untuk mengetahui hasil dari penelitian ini adalah jenis penelitian kuantitatif. Dengan menggunakan data primer yang didapat secara langsung melalui hasil dokumentasi berupa laporan keuangan tahunan yang di publikasikan di web masing- masing bank. Serta data sekunder yang didapat dari peneliti melalui publikasi dan informasi. Hasil dari penelitian menunjukkan secara parsial maupun simultan NPF dan CAR memiliki pengaruh secara signifikan hasil uji Fhitung 108,365 > Ftabel 3,195 maka Ho ditolak dan Ha diterima jadi secara simultan ada hubungan antara variabel NPF dan CAR terhadap FDR, hasil uji Thitung NPF 2,386 > Ttabel 2,011 dan hasil uji Thitung CAR 14,297 > Ttabel 2,011 maka Ho ditolak dan Ha diterima, jadi secara parsial ada hubungan antara variabel NPF dan CAR terhadap FDR. sedangkan hasil analisis data memperoleh Non Performance Financing (NPF) memiliki pengaruh secara dominan terhadap Financing to Deposit Ratio (FDR) yang memperoleh hasil sebesar 3.068 lebih besar dari hasil analisis Capital Adequacy Ratio (CAR) sebesar 2.023. Kata kunci : Non Performance Finance (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR).

ABSTRACT Financing To Deposit Ratio (FDR) is a term used to measure the level of liquidity of a bank, which has a minimum limit of 80%. High liquidity makes banks not function as channeling funds (financing). The fluctuation of Financing To Deposit Ratio (FDR) is influenced by two independent variables namely Non-Performing Finance (NPF) and Capital Adequacy Ratio (CAR). The purpose of this study is to find out and understand the analysis of the influence of Non-Performing Finance (NPF) and Capital Adequacy Ratio (CAR) on Financing To Deposit Ratio (FDR), both simultaneously, partially and also to find out which ratios are more dominantly influential on Financing To Deposit Ratio (FDR). This type of research used to determine the results of this study is a type of quantitative research. By using primary data obtained directly through the results of documentation in the form of annual financial reports published on the web of each bank. And secondary data obtained from researchers through publications and information. The results of the study showed that both partially and simultaneously NPF and CAR had a significant influence on. The results of the Fhitung 108,365 > Ftable 3,195 then Ho was rejected and Ha was accepted so that simultaneously there was a relationship between the NPF and CAR variables against the FDR, the NPF Thitung test results 2,386> Ttabel 2,011 and CAR Thitung test results 14.297> Ttable 2.011, then Ho is rejected and Ha is accepted, so there is a partial relationship between the NPF and CAR variables against FDR. while the results of data analysis obtained Non-Performance Financing (NPF) had a dominant influence on Financing to Deposit Ratio (FDR) which obtained a result of 3,068 greater than the analysis of the Capital Adequacy Ratio (CAR) of 2,023. Keywords: Non Performance Finance (NPF), Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR)

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