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Capital is a very important aspect of the banking industry as it will be used to cover the losses suffered by the bank. Financial Services Authority set a minimum limit of the bank's capital adequacy ratio of 8%. This study aims to determine the size of capital buffer. There are several factors believed to determine the amount of capital buffer, such as the return on assets (ROA), non-performing financing (NPF), financing to deposit ratio (FDR), the net profit margin (NPM), and the ratio of operating expenses to operating income (OEIR). The study population was 164 BPRS in Indonesia and samples taken randomly of 55 SRB with quarterly data for two years (2015-2016). It used multiple regression analysis with the help of programming SPSS version 17.0. The results showed NPF, FDR, and NPM variables significantly affects capital buffer while ROA and OEIR are not significant.

Factors determinant of bank capital buffer: empirical study on islamic rural banking in Indonesia