Pengaruh Capital Adequacy Ratio dan Loan to Deposit Ratio terhadap Profitabilitas pada Lembaga Perkreditan Desa se-Kecamatan Kubutambahan

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh (1) capital adequacy ratio dan loan to deposit ratio terhadap profitabilitas, (2) capital adequacy ratio terhadap loan to deposit ratio, (3) capital adequacy ratio terhadap profitabilitas, dan (4) loan to deposit ratio terhadap profitabilitas pada LPD di Kecamatan Kubutambahan tahun 2011 - 2015. Penelitian ini menggunakan desain kuantitatif kausal. Subjek penelitian ini adalah LPD yang ada di Kecamatan Kubutambahan dan objeknya adalah capital adequacy ratio, loan to deposit ratio, dan profitabilitas. Jenis data yang digunakan adalah data kuantitatif, yang dikumpulkan dengan teknik pencatatan dokumen serta dianalisis dengan analisis jalur. Hasil penelitian ini menunjukkan: (1) ada pengaruh simultan dan signifikan dari capital adequacy ratio dan loan to deposit ratio terhadap profitabilitas, (2) ada pengaruh positif dan singnifikan dari capital adequacy ratio terhadap loan to deposit ratio, (3) ada pengaruh positif dan singnifikan dari capital adequacy ratio terhadap profitabilitas, (4) ada pengaruh positif dan singnifikan dari loan to deposit ratio terhadap profitabilitas pada LPD Kecamatan Kubutambahan tahun 2011 - 2015.
Kata Kunci : capital adequacy ratio, loan to deposit ratio, dan profitabilitas

The aim of this research is to know the effects of (1) capital adequacy ratio and loan to deposit ratio to the profitability (2) capital adequacy ratio to the loan to deposit ratio, (3) capital adequacy ratio to the profitability, and (4) loan to deposit ratio to the profitability in LPD Kubutambahan year 2011 - 2015. This research uses quantitative causal. The subject of this research is LPD located in Kubutambahan sub-district and the object is capital adequacy ratio, loan to deposit ratio, and profitability. The type of data used in this research is quantitative data, that collected by documentation techniques and analyzed by path analysis. The result of this research shows that: (1) there are simultaneously and significantly effect of capital adequacy ratio and loan to deposit ratio to the profitability, (2) there is positive and significant effect of capital adequacy ratio to the loan to deposit ratio, (3) there is positive and significant effect of capital adequacy ratio to the profitability, (4) there is positive and significant effect of loan to deposit ratio to the profitability in LPD Kubutambahan year 2011 - 2015.
keyword : capital adequacy ratio, loan to deposit ratio, and profitability.