PENGARUH CAPITAL ADEQUACY RATIO, LOAN TO DEPOSIT RATIO, SERTA BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP PROFITABILITAS PADA LEMBAGA PERKREDITAN DESA KECAMATAN KUBUTAMBAHAN

Abstract

Penelitian ini bertujuan untuk memperoleh temuan eksplanatif yang teruji tentang (1) pengaruh capital adequacy ratio, loan to deposit ratio, dan biaya operasional pendapatan operasional terhadap profitabilitas, (2) pengaruh capital adequacy ratio terhadap profitabilitas, (3) pengaruh loan to deposit ratio terhadap profitabilitas, dan (4) pengaruh biaya operasional pendapatan operasional terhadap profitabilitas. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah LPD yang ada di Kecamatan Kubutambahan, dan objek penelitian adalah capital adequacy ratio, loan to deposit ratio, biaya operasional pendapatan operasional, dan profitabilitas. Data dikumpulkan dengan pencatatan dokumen, kemudian dianalisis dengan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa (1) capital adequacy ratio, loan to deposit ratio, dan biaya operasional pendapatan operasional berpengaruh positif dan signifikan terhadap profitabilitas, (2) capital adequacy ratio berpengaruh positif dan signifikan terhadap profitabilitas, (3)loan to deposit ratio berpengaruh positif dan signifikan terhadap profitabilitas, (4) biaya operasional pendapatan operasional berpengaruh negatif dan signifikan terhadap profitabilitas.
Kata Kunci : biaya operasional pendapatan operasional, capital adequacy ratio, loan to deposit ratio, dan profitabilitas

This study aimed to obtaining the explanative findings about (1) the influence of capital adequacy ratio, loan to deposit ratio, and operating expense of operating income on profitability, (2) the influence of capital adequacy ratio on profitability, (3) the influence of loan to deposit ratio on profitability, and (4) the effect of operating expense of operating income on profitability. The research design used was quantitative causal. The subject of this study was LPD in subdistrict Kubutambahan, and the object of the study were capital adequacy ratio, loan to deposit ratio, operating expense of operating income, and profitability. Data was collected by recording document, then it’s was analyzed by multiple linear regretion analysis. The result of the study show that (1) capital adequacy ratio, loan to deposit ratio, and operating expense of operating income have significant effect to profitability, (2) capital adequacy ratio had positive and significant effect to profitability, (3) loan to deposit ratio had positive and significant to profitability, (4) operating expense of operating income had negative and significant effect to profitability.
keyword : capital adequacy ratio, loan to deposit ratio, operating expense of operating income, and profitability