PENGARUH LOAN TO DEPOSIT RATIO DAN NET INTEREST MARGIN SERTA NON PERFORMING LOAN TERHADAP RETURN ON ASSET PADA LEMBAGA PERKREDITAN DESA DI KECAMATAN BANJAR

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh simultan dan parsial dari loan to deposit ratio, net interest margin dan non performing loan terhadap return on asset. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah Lembaga Perkreditan Desa di Kecamatan Banjar dan objek penelitian ini adalah loan to deposit ratio, net interest margin, non performing loan dan return on asset. Data dikumpulkan dengan teknik pencatatan dokumen kemudian dianalisis dengan metode analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) secara simultan loan to deposit ratio, net interest margin dan non performing loan berpengaruh terhadap return on asset sebesar 79,9%, (2) secara parsial loan to deposit ratio berpengaruh positif terhadap return on asset sebesar 54,5%, (3) secara parsial net interest margin berpengaruh positif terhadap return on asset sebesar 60,1%, (4)secara parsial non performing loan berpengaruh negatif terhadap return on asset sebesar -39,4%.
Kata Kunci : Loan to deposit ratio, net interest margin, non performing loan, return on asset.

The purpose of this research to get the effect simultaneously and partial of loan to deposit ratio, net interest margin and non performing loan to the return on asset. The research design used was causal quantitative. The subject of this research was Lembaga Perkreditan Desa in Kecamatan Banjar and the object of this study was loan to deposit ratio, net interest margin, non performing loan and return on asset. The data were collected by documentation tecniq, and then it’sanalyzed by multiple linier regression. The result of this study showed that (1) there was an effect simultaneously from their loan to deposit ratio, net interest margin and non performing to the return on asset amounted 79,9%, (2) there was a positive effect from loan to deposit ratio to the return on asset amounted 54,5%, (3) there was a positive effect from net interest margin to the return on asset amounted 60,1%, (4) there was a negative effect from non performing loan to the return on asset amounted -39,4%.
keyword : Loan to deposit ratio, net interest margin, non performing loan, return on asset