{'fraction_non_alphanumeric': 0.025841025784910637, 'fraction_numerical': 0.014646053702196907, 'mean_word_length': 4.822904754125143, 'pattern_counts': {'":': 0, '<': 5, '<?xml version=': 0, '>': 1, 'https://': 0, 'lorem ipsum': 0, 'www.': 0, 'xml': 0}, 'pii_count': 2, 'substrings_counts': 0, 'word_list_counts': {'cursed_substrings.json': 0, 'profanity_word_list.json': 0, 'sexual_word_list.json': 0, 'zh_pornsignals.json': 0}}
The Influence of Loan to Deposit Ratio, Capital Adequacy Ratio, and Return on Equity toward Stock Return in Government-Owned Conventional Banking Company (BUMN) That Registered in Indonesia Stock Exchange Period of 2010-2017

The study aims to determine how much influence the Loan to Deposit Ratio, Capital Adequacy Ratio, and Return On Equity have on stock returns of conventional government-owned banks (SOEs) listed on the Indonesia Stock Exchange (BEI) for the period 2010-2017. The data used uses secondary data sourced from conventional domestic banking financial reports that are on the Indonesia Stock Exchange from 2010 to 2017. The analytical method used in this study is multiple linear regression. This research is classified as associative research. The population in this study is all conventional domestic banking sub-sector companies on the Indonesia Stock Exchange. The simultaneous test results (f test) of this study indicate that the ratio of LDR, CAR and ROE has an effect on stock returns in conventional domestic banking companies. the results of the partial test (t test) show that the LDR ratio has a significant negative effect on stock returns, CAR has a significant positive effect on stock returns, whereas ROE does not have a significant effect on stock returns.

performance it also influenced by the company's external circumstances. Investors can obtain information about the company's performance by analyzing financial statements issued by the company (Rintistya Kurniadi,2012) Investing in a form of stocks have a greater risk compared to other alternative investments such as bonds, deposits, and savings. This is because the revenue expected from stocks is uncertain, because stock revenue can come from dividends or capital gains. The ability of a company to pay dividends is determined by the capability of the company to generate profit, while capital gains are determined by the fluctuations/changes in the stock price. Although it belongs to a relatively high risk of investing, the benefits of stock investment in the stock exchange are also relatively high. Therefore, so that investors do not get stuck on adverse conditions, investing in the form of stock requires accurate information. Accurate information is required to determine the relationship extent of the variables which cause fluctuations in the purchased stock price. By knowing the relationship between these variables, investors can have a strategy to choose a company that is actually considered potential as a place to invest their capital.
In the Indonesia Stock Exchange (IDX), the listed company shares are grouped into several industry sectors. One of the most interesting industrial sectors to research on is the banking sector. Since the collapse of the national banking sector as a result of the monetary and the economic crisis that hit Indonesia in mid-1998, there are many incidents involving the banking sector. The events include the merger of several state-owned banks (Bank Mandiri), the merger of various national private banks (Bank Danamon and Bank Permata), as well as re-selling government stocks such as the divestment of BCA Bank, and others (Lukman Dendawijaya, 2004) BUMN Bank is the most influential bank group in the Indonesian banking industry. The four BUMN banks, BRI, Mandiri, BNI, and BTN are the largest banks of number one, two, four, and six of the total 118 banks in Indonesia. In the end of 2015, the total assets of the four BUMN Banks reached Rp 2,445.47 trillion, or 40 percent of the total assets of the national banking industry amounting to Rp 6,132.58 trillion. Because of its position as a market leader with large market share, the performance of state-owned Bank greatly affects national banking performance. If the performance of BUMN banks is good, then the overall banking industry performance will also be good. Similarly, the last week, most banks as well as state-owned banks have published its financial performance during the quarter of 2016 (Marta, 2016).
Liquidity is one of the factors that can encourage changes in the price of stocks. According to Kasmir (2014:225) "LDR (Loan to Deposit Ratio) is the ratio used to measure the composition of credit amount given compared to the amount of public funds and the own capital used.". According to Darmawi (2011:61) "LDR (Loan to Deposit Ratio) is one of the liquid scale of the inventory concept in form of loan ratio to deposit." Solvency measures how much debt made for company's spending. According to Kasmir (2010:151), solvency is a ratio is used to gauge the extent of company's assets which financed by a debt-related way. Solvency can be measured by the Capital Aducuacy Ratio (CAR). The Capital Adequacy Ratio according to Lukman Dendawijaya (2000:122) is a "ratio that shows how far all bank assets contain risks (credits, inclusion, securities, bills with other banks) are financed from the bank's own capital funds beside funds from sources outside the bank, such as community funds, loans, and others.
Profitability is a net result of a number of company policies and decisions. The profitability ratio measures how much the company's ability to generate profits. According to Bambang Riyanto (2001:44), Return On Equity is a comparison between the amount of profit available to the owner of his own capital on one party with the amount of his own capital that generates the profit on the other party. Or it can be said that the capacity of the capital owned is the ability of a company with its own capital that works to make profit.
Basically the return value of each securities differs from one another. Not all securities will give the same return for investors. The uncertainty in the stock return makes investors should be very careful with the alternative they choose. A company may be experiencing the instability of the stock return at any time due to the various factors of either micro-or macro-instability of the stock return. Companies can be involved in the following tables. The financial ratio that occurred to Bank Negara Indonesia is Loan to Deposit Ratio (LDR), which is in year 2016 to 2017 decreased from 90.4% to 85.6% but not in the stock returns which increased significantly from 0.11% to 0.79%.
Based on the background of previous theories and research statements, this study will analyze for further analysis on the relationship of financial ratios on the movement of stock return. Many theories state that the condition of good financial ratios, will bring a positive influence on the company's financial condition which will al. This study will be re-examining the previous research results in hope to reinforce and strengthen existing theories.
The samples used in this research are the government's conventional banking industry (BUMN) listed in the Indonesia Stock Exchange (IDX), namely Bank Negara Indonesia (BNI), Bank Rakyat Indonesia (BRI), Bank Mandiri, and Bank Tabungan Negara (BTN). From 2010 to 2017. The research aims to determine if the financial Ratios has an influence on stock returns. By looking at the importance of the company's financial ratios and background information that has been expressed by the authors, the author's title proposal is "The influence of Loan This research is expected to be used as a matter of consideration and reference when investing. So that investor can be wiser in taking investment decisions.

Respective Company
As a matter of consideration and reference for the company in practicing these research variables to help increase the value of the company as well as consideration to evaluate the future management performance.

Academic Contribution
This research is expected to contribute education, especially regarding the leverage, liquidity and profitability applied to a company and its influence on the value of the company.

Definition of Financial Management
Definition of financial management according to Agus Sartono (2001:6) in his book Financial management is the management of funds both related to the allocation of funds in various forms of investment effectively as well as fundraising efforts for financing Investments or efficient spending. According to Pinches (1996:6) he states that financial management is the acquisition, management, and financing of resources for business entities using money and dealing with prices in the external economic markets. According to Suad Husnan and Enny Pudjiastuti (2006:4) Financial management is the arrangement of financial activities in an organization that concerns planning, analysis, and control of financial activities.

Function of Financial Management
Sutrisno (2012) explains the financial management function consists of three main decisions that a company must do, three decisions of the company are :

Investment Decision
The investment decision is a matter of how the financial manager should allocate funds to the various forms investment that will be able to bring profit in the future. The shape, type and composition of the investment will influence and support profit in the future.

Financing Decision
Financing decisions are often referred to as capital structure policies. In this decision, the financial manager is required to consider and analyze the combination of economical sources of funds for the company in order to spend the need for investment and business activities.

Dividen Decision
The dividend decision is a financial management decision to determine: 1. The amount of profit percentage distributed to the shareholders in the form of cash dividend; 2. The stability of distributed dividend; 3. Stock dividend; 4. Splitting stock (stock split); 5. Rewithdrawal of outstanding shares; are aimed at raising the prosperity of our shareholders.
From these three decisions it can be seen that the financial management functions are closely related to each other and with the financial management function, it can help the company in managing funding of the company.

Purpose of Financial Management
According to Kamaludin (2011) As for the normative purpose in financial management is to maximize the value of the company or prosperity of shareholders. Meanwhile, according to Sutrisno (2012), the main goal of financial management is to increase the prosperity of shareholders or owners. Based on these two opinions we can conclude that the core purpose of financial management is to maximize the value of the company and increase the prosperity of the shareholders. With these two objectives financial manager is required various strategies to achieve that goal.

Definition of Banking
According to Kasmir (2013) Banking is the activity of collecting funds and channeling funds (lending). While according to Darmawi (2012) banking is everything that concerns banks, covering institutional, business activities, as well as ways and processes in carrying out its business activities.
Based on the banking definitions, it can be concluded that banking is everything that concerns banks, both institutional and business activities, which in the form of collecting and channeling funds. There are several definitions of banks according to experts : Definition of bank according to Kasmir (2008) "Bank is a financial institution which raise funds from the community in the form of deposits and then distribute back to society, as well as provide other bank services". According to Hasibuan (2005), the meaning of the Bank is: "The Bank is a business entity whose wealth is mainly in the form of financial assets as well as social patterned, not just looking for profit".

Types of Bank
According to Kasmir (2013) bank types can be reviewed in various respects such as the following:

Public Bank
The Commercial bank is a bank that conducts business activities conventionally and/or based on Shariah principles which in its activities provide services in the payment traffic. The nature of the services provided is common, in the sense that it can provide all existing banking services. Similarly, the operating area can be done throughout the region. Public banks are often called commercial banks.

Bank Perkreditan Rakyat (BPR)
Bank Perkreditan Rakyat is a bank that carries out business activities conventionally or based on Shariah principles in which activities do not provide services in the payment traffic. This means that the activity of BPR is much narrower compared to Public Bank's activities.

Types of Ownership
In terms of ownership means anyone who owns the Bank. This ownership can be seen from the establishment and mastery of shares owned by the bank in question. Type of bank seen in terms of such ownership are as follows:

Government Bank
Where both the fund and the capital certificate are owned by the Government so that all the benefits of this bank are owned by the government anyway. Examples of government-owned banks include: Bank Negara Indonesia 46 (BNI), Bank Rakyat Indonesia (BRI), National Savings Bank (BTN) and Bank Mandiri.

National Private Bank
This type of Bank is mostly owned by the National private and its founding certificate was established by private company, the profit share also profitable to private interest. Examples of national privately owned banks include: Bank Muamalat, Bank Central Asia, bank Bumi Putera, Bank Danamon and others. Ownership of the shares of this bank is owned by a company of cooperative law. An example of a cooperative bank is Indonesia's public Bank.

Foreign Bank
This type of Bank is a branch of a bank that exists overseas, whether it belongs to a foreign private or foreign government. Obviously the ownership is owned by foreign parties. Examples of foreign-owned banks include: Bank of America, Bank of Tokyo, Standard Chartered Bank and others 2.4.3.5. Bank Belong to Mixtures The share ownership of mixed banks is owned by foreign parties and national private parties. The majority of its shares are held by Indonesian citizens. Examples of banks belonging to the mix are: Sumitomo Niaga Bank, Bank Merincorp, Bank Sakura Swadarma, Bank Finconesia and others.

Function of Banking
In general, the main function of the bank is to raise funds from the community and channel it back to the community for various purposes or as financial intermediary. According Totok Budi Santoso and Sigit Triandaru (2006) More specifically the bank can serve as: The basic principle of banking activities is trust, both in terms of gathering and distributing fund. People will want to deposit their funds in the bank, if the elements of trust existed. People believe Bank won't abuse their money, the money will be well managed, the bank will not go bankrupt, and at the time that had been promised the deposit can be withdrawn from the bank. The bank itself will place or distribute its funds to the debtor or people based on the existence of any element of trust. The bank believes that debtor will not misuse its loan, debtor will properly manage the borrowed funds, debtor will have the ability to pay at maturity time, and debtor have good intentions to return the loan and other obligations at maturity time.

Agent of development
The economic activities of the community in the monetary sector and in the real sector can not be separated. Both sectors always interact and affect each other's. Real sector will not be able to perform well, if the monetary sector does not work properly. Bank activities in the form of gathering and distributing fund are indispensable for the economic activities in the real sector. The Bank's activities enable the community to engage in investment activities, distribution activities, and consumption activities of goods and services, given that investment-distribution-consumption activities cannot be removed from the use of money. Fluency of investment-distribution-consumption is nothing but a community's economic development activities

Agent of Service
Besides gathering and channeling funds, Bank also provides other banking services to the public. The services offered by the Bank are closely related to public economic activities. These services can include money transfer services, valuables storage, Banking guarantees, and billing settlements.
All three of the above functions are expected to provide a thorough and complete picture of the functioning of the bank in the economy, so that the bank can not only be interpreted as financial intermediary institution.

Definition of Financial Ration
According to Harahap (2010:297) The financial ratio is a number derived from the results of a comparison of one financial report account with another account that has the relevant relationship.
While the definition of the ratio according to Irfan Fahmi (2012:107) "The ratio of the interest or financial ratio is very important to analyze the condition of the company. For short-and medium-term investors are generally more attracted to the short-term financial conditions and the ability of the company to pay adequate dividends. This information can be known in a simpler way by calculating the right ratio which its desire."

The Use of Financial Ratio
According to Munawir (2015:68) classification of ratio rate based on data source :  Financial ratio, In the sense of the ratio number which is taken from balance sheet.  Financial-operating ratio, In the sense of ratios which is taken from the balance sheet and income statement.  Operating ratio, is the ratio numbers in the data preparation of the income statement.  Miscellaneous, such as data from the balance sheet, profit or loss statements, consolidated statements of profit or change of capital reports. According to Rahardjo (2007:104) The ratio of the company is clarified into five groups, namely: 2.4.6. LDR (Loan to Deposit Ratio) According to Darmawi (2011:61) "LDR (Loan to Deposit Ratio) is one of the liquid rate of the inventory concept in the form of deposit loan ratio". According to Cashmere (2014:225) "LDR (Loan to Deposit Ratio) is the ratio used to measure the composition of credit amount given compared to the amount of Community funds and the own capital used." From the understanding of LDR according to the experts above, it can be concluded that LDR is a ratio that measures the extent to which the bank's ability to repay the withdrawal of funds carried out by relying on the credits given as a source of liquidity. The higher the ratio, the lower the liquidity of the bank. But conversely, if the lower the LDR ratio then the higher the liquidity of the concerned Bank. This ratio is also an indicator of insecurity and the ability of a bank. According to Kasmir (2014:225), the secure boundary of LDR a bank is around 80%. But the maximum limit of LDR is 110%. The LDR ratio is calculated by comparing credit to third-party funds where the credits used are the total credits given to the third party, and excluding credits given to the other party. While third party funds are called Giro, savings and deposits excluding inter bank. According to Sudirman (2013:158), this ratio can be formulated as follows: 2.4.7. CAR (Capital Adequecy Ratio) According to Kuncoro (2011:519) CAR is the adequacy of capital indicating the bank in maintaining adequate capital and the management capabilities of the bank in identifying, measuring, supervising and controlling the risks that may affect the bank's capital magnitude. According to Wardiah Lasmi (2013:295) Capital Adequacy Ratio (CAR) is Bank's ability in capitalization to cover the possibility of losses in crediting or trading of securities. While, according to Dendawijaya (2009:121) The Capital Adequacy Ratio (CAR) is a ratio that shows how far every bank assets contain risks (credits, inclusion, securities, bills with other banks) are financed from their own capital funds. Bank, in addition obtaining outside funds , such as Community funds, loans (debt). The formula for finding a Capital Adequacy Ratio can be used as following, Kasmir (2010) CAR = Capital Risk weighted assets (ATMR) x 100%

ROE (Return on Equity)
According to the Tandelillin (2010:315) The Return On Equity (ROE) is generally calculated using performance measures based on accounting and is calculated as the company's net profit divided by common shareholder equity. According to Brigham and Houston (2010:149), Return on Equity (ROE) is a net-ratio to regular equity measuring the rate of return on ordinary shareholder investments. According to Irham (2012:98) The Return on Equity (ROE) is the ratio used to assess how long a company uses the resources it has to be able to provide a return on equity. From the sense of the ROE according to the experts, it can be concluded that the ROE is a return on the usual stock equity used to measure the profit rate resulting from the shareholder's investment. Here is the formula in the counting ROE : ROE = 2.4.8.1. Capital Market According to Irham (2011:34) The capital market is a market where capital funds such as equities and debts are traded. According to Fahmi (2013:55) capital Market is a place where various parties, especially companies selling stocks and bonds with the purpose of the proceeds will be used in addition and or strengthening the company's capital.
It can be concluded that the capital market is a market where capital funds such as equities and debts are traded, and a place where various parties, especially companies selling stocks and bonds with the aim of the proceeds will be use in addition and strengthening the company's capital. According to Fahmi (2012:81) "Stocks are one of the most demanded capital market instruments by investors, because they are able to provide an attractive rate of return. Stocks are paper which stated a clear nominal value, company name, and followed by the rights and obligations described to each holder". According to Darmadji and Fakhruddin (2012:5) "The stock is a sign of inclusion or possession of a person or entity in a limited company. A tangible stock of a piece of paper explaining that the paper owner is the owner of the company that issued the securities".
Based on the understanding of the experts above, the shares can be concluded a proof of ownership of the company's a contained listed nominal value, name of the company, and follow with the rights and obligations described to each holder.

Types of Stocks
Stocks are the most popular and widely known securities in the community. According to Darmadji and Fakhruddin (2012:6), there are several types of shares, namely : in terms of the ability of a bill or claim, the shares are divided into:  Common stock, which is the share that puts the most junior owner on the dividend distribution, and the rights to the company's property if the company is liquidated.  Preferred stock, is a stock that has the combined characteristics between bonds and ordinary shares, because it can generate fixed income (such as bond interest), but might not able to bring results as desired by the investor. Judging from its maintenance, stocks are differentiated into:  Bearer stock there is no written name, in order to easily transfer from one investor to another.  Registered stock is a clearly written share of who owns it, and where the transition must go through certain procedures. From its trading performance, the shares are categorized into:  Blue-chip stock, namely the ordinary shares of a company that has a high reputation, as a leader in similar industries, has a steady income and consistent in paying dividends.  Income stock, the ordinary shares of an issuer who has the ability to pay dividends higher than the average dividend paid in the previous year.  Growth stock-well known is the shares of the issuer that has a high revenue growth, as a leader in a similar industry that has a high reputation. Besides, there is also lesser known growth stock, which is shares of the issuer that is not as a leader in the industry but has a feature of growth stock.  Spekulative stock, is the stock of a company that can not be consistently able to earn high income in the future, although not necessarily.  Counter cyclical stocks are stocks that are not affected by the macroeconomic conditions as well as general business.
2.4.9. Stock Return Stock Return according to Brigham (2011) "Return of shares or the rate of return is the difference between the amount received and the invested amount, divided by the invested amount". According to Sartono (2009): "Stock Returns are the result of investments". Based on these definitions, it can be concluded that the stock return is the return on the stock purchase transaction. Stock Return are derived from the difference in capital gains or capital loss which is the difference in the current investment price with the investment price in the past period. The stock return calculation formula can be used as follows (Hartono, 2009  Current Income Is the profit gained through the periodic payment such as deposit interest payment, cash bond, dividend etc..  Capital Gain is the profit received because of the difference between the selling price and the purchase price of an investment instrument, which means that the investment instrument must be traded in the market. The magnitude of capital gain is done by historical return analysis that occurred in the previous period, so it can be determined the amount of change desired.

Population
The population of this research is four government-owned banking companies (BUMN) listed on the Indonesia Stock Exchange (IDX) from 2010 to 2017.

Sample
The samples used are four government-owned banking companies (BUMN) listed on the Indonesia Stock Exchange (IDX) from 2010 to 2017.

Data Analysis
In this study the analysis method used was a method of analysis of multiple linear regression with the help of Statistical Package Social Sciences (SPSS) version 23.00 For Windows. And to know the significance level of each regression coefficient between free variables against the bounded variables.

Normality Test Result
Normality Test aims to test whether the regression model, variable disruptor or residual has a normal distribution (Ghozali, 2011  = -0, 27 Based on the above calculations obtained Zskewness value of Unstandardized Residual of 1.5 and Zkurtosis value of-0.27 is between the critical value of ± 1.96. So it can be concluded that the test of normality Zskewness and Zkurtosis have a normal distribution.

Multicollinearity Test
The multicholinerity test aims to test whether a regression model is found to be correlated between independent variables. A good regression Model should not occur in correlation between independent variables. To detect that there is no multicholinerity the tolerance value and Variance Inflation Factor (VIF) methods are used. With the provisions of the VIF < 10 and the Tolerance value > 0.1 or 10 percent for all variables. It is concluded that there is no multicolinearity on all independent variables. Ghozali (2011). The results of this research using multicholinerity test are as follows: Based on the table above for multicholinerity test, it is known that each independent variable has a value of tolerance ≥ 0.10 and VIF ≤ 10. In the variable Loan to Deposit Ratio (LDR) has tolerance 0.647 and VIF of 1.545. Return On Equity (ROE) has a value of tolerance 0.834 and a VIF of 1.198. The Return On Equity (ROE) variable has a value of tolerance 0.559 and a VIF of 1.789. Based on these results, it can be concluded that the model multicolinearity does not occur.

Autocorrelation Test
The autocorrelation test aims to test whether if there is a correlation between disruptor errors in the T-period with disruptor errors in the T-1 period (formerly) of linear regression model. If a correlation occurs, it is called an autocorrelation problem. To detect the presence of autocorrelation in this study, the Durbin-Watson test was conducted. By using the DurbinWatson test, the results in this study are as follows: Based on the test result done above for autocorrelation test obtained DW number of 2.420 with value N = 32 and k = 3. Then the lower limit value (dL) is 1.244 and the upper limit value (dU) is 1.650. It can then be concluded for regression 1 that the regression model occurs a negative autocorrelation of DW-dL < DW < 4 = 2,420-1,244 < 2.420 < 4. Then conducted another autocorrelation test, with the following results:

Runs Test
Unstandardized .208 Table 6: Runs Test a. Median In the table above it could be seen that the autocorrelation treatment with Run Test resulted in Asymp. The Sig (2tailed) of 0.208 is larger than 0.05 which means that it is autocorrelation free.

Heterokedastisity Test
Heterokedastisity Test aims to test whether in regression occurs the variance inequality of the residual one observation to other observation. A good regression Model is homoskedastisity. In order to detect the absence of heteroskedastisity in this study using Test Glejser is the result as follows: The table above shows for heterokedastisity test the significant level of the entire variable greater than 0.05, it can be concluded that there is no heterokedastisity in the regression model so it can be used for the next step.

Multiple Linear Regression Analyses
Multiple linear regression analyses were used to figure out the magnitude of the Loan to Deposit Ratio ( Multiple linear regression analysis results are described in table 4.6. Based on the results of Table 4.6 then multiple linear regression analysis is as follows: Y = α + b1X + b2X + b3X + e ..

Discussion
This research was conducted to determine the influence of Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), and Return On Equity (ROE) toward Stock Return of the existing public bank in Indonesia period of 2012-2015. Based on results for this study obtained as follows:

The Influence of Loan to Deposit Ratio (LDR) Toward Stock Return
The Loan to Deposit Ratio (LDR) variable shows negative and significant influences on Stock Return. This result is contrary to the theory that stated the higher LDR ratio shows the higher the credit given by the bank will also increase the interest from the credit that will impacts the high earnings gain by Bank in question, so it can be said the bank's financial performance is increasing, in other words the Loan to Deposit Ratio (LDR) will increase the stock return. This is because banking lately prefer to distribute the credit level in order to increase revenue from the interest sector. Of course, with the high income from the sector can increase banking revenue. Company's profit will be affected by increasing revenue. However, if it is seen from a negative outcome, this is because the revenue sector is derived from the loan/credit given to the other party. The provided loan contain credit risk, which is a bad credit that can affect investor confidence in choosing a company where they invest their capital. With the low trust of investors are worried about the stock price will also drop and will cause a capital loss which caused by the difference in the loss of stock price transactions. Thus, investors do not get expected rate of return.
The results in this research are in line with other research conducted by Almar'atus Sholikhah (2015) stating that the LDR has negative and significant effect toward Stock return. This is because investors view of revenue gained from credit given to credit risk, higher proportionate credit compared to less fluid credits and doubtful credits, these factors influence Investor trust in choosing the company to be used as investment field. With the low trust, investors are afraid if the stocks price decrease and the capital loss occurs and investors could not get expected return.

Influence of Capital Adequacy Ratio (CAR) toward Stock Return
The Capital Adequacy Ratio (CAR) variable demonstrates a positive and significant influence toward stock return. The results of this research in accordance with the research conducted by Rilla Gantino & Fahri Maulana (2013) which said that CAR has a positive and significant toward stock return. These results indicate if the bank has a high CAR value then the stock return will increase. High value of CAR indicates the bank has sufficient capital to anticipate assets that contain or generate risk. The bank which has a CAR value of more than 8% according to Bank Indonesia regulation indicates that the bank is in good health. Healthy Bank certainly gives a positive signal to the investor to invest his capital so that the demand for that stock will be high, the high price of this stock will certainly affect the stock return.

Influent of Return on Equity (ROE) toward Stock Return
From the results of this research we know the calculated T-value of 1.265 and the significance rate of 0.216 which is greater than the significant value of α = 0.05 means the research hypothesis is rejected which means there is no influence between the ROE toward the stock return. The results of this research supported the previous research conducted by Gantino, Rilla and Maulana, Fahri (2012) and Lilis Purnamasari (2017), which showed the results of partial ROE T-tests has no effect on the stock return meaning ROE variable shares has no effect on Return stock. As previously described, this ratio is a comparison between a profit and a share with its own capital. The ROE variable in this study has no effect on the stock returns. The higher the ROE means the better the company's performance in managing its capital to generate profit.

Conclusion and Suggestion
From the research conducted by researchers and discussions that have been done in all previous chapters, in the study titled "The Influence of Loan to Deposit Ratio, Capital Adequcy Ratio, and Return On Equity Toward Return shares in the company State-owned conventional banking (BUMN) listed on the Indonesia Stock Exchange period of 2010-2017 "then it can be withdrawn conclusions as follows:  Loan to Deposit Ratio negatively and significantly affects Stock Return, meaning that if the value of LDR is increased then the liquidity of the bank concerned will be lower and has an effect toward Return shares.  Capital Adequcy Ratio positively and significantly affect toward Stock Return, meaning that if the value of the CAR is high then the bank is able to finance its operational activities and contributes considerable contribution and affect the Stock Return.  Return On Equity has no significant effect on Return stock, meaning that if the higher the ROE value then the higher the value of Stock Return, but if decreased then ROE has no effect on Return stock.

For Company
The company should consider the factor of Loan to Deposit Ratio (LDR) and Capital Adequcy Ratio (CAR) which has a significant influence toward Stock Return to increase the value of the company.

For Investor and Prospective Investor
Investors and prospective investors who intend to invest should consider the results of this research analysis that has a significant influence on the Stock return such as the ratio of Loan to Deposit Ratio (LDR) and Capital Adequcy Ratio (CAR). It is intended to assess the extent to which the company's ability to provide return for investors. But there are still many other factors that can be used as source of information to determine which companies to choose to invest such as political situation and government policy. 6.1.3. For Future Research.
Further researchers are expected to develop further by adding several factors that influence the stock return through other financial ratios. As well as expanding research by increasing the period of research years so that the research results can describe the real condition in the long term.