PENGARUH DANA PIHAK KETIGA DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL SERTA LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PADA LEMBAGA PERKREDITAN DESA DI KECAMATAN SUKASADA

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh simultan dan parsial dari dana pihak ketiga, biaya operasional pendapatan operasional, dan loan to deposit ratio terhadap return on asset. Desain penelitian yang digunakan dalam penelitian ini adalah kuantitatif kausal.Subjek penelitian ini adalah Lembaga Perkreditan Desa di Kecamatan Sukasada dan objeknya adalah dana pihak ketiga, biaya operasional pendapatan operasional, loan to deposit ratio, dan return on asset. Data dikumpulkan dengan teknik pencatatan dokumen, kemudian dianalisis dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) secara simultan dana pihak ketiga, biaya operasional pendapatan operasional, dan loan to deposit ratio berpengaruh terhadap return on asset sebesar 98,1%, (2) dana pihak ketiga berpengaruh terhadap return on asset sebesar -32,7%, (3) biaya operasional pendapatan operasional berpengaruh terhadap return on asset sebesar -90,6%, dan (4) loan to deposit ratio berpengaruh terhadap return on asset sebesar 35,6%.
Kata Kunci : biaya operasional pendapatan operasional, dana pihak ketiga, loan to deposit ratio, return on asset

The purpose of this research to get the effect simultaneously and partial of loan fund, operational expense operational income, and loan to deposit ratio, to return on asset.The research desain used was causal quantitative. The subject of this research was Lembaga Perkreditan Desa in Kecamatan Sukasada, and the object of this study was loan fund, operational expense operational income,loan to deposit ratio, and return on asset. The date were collected by documentation tecniq, and than it’s analyzed by multiple linier regression. The result of this research showed that (1) there was a simultaneously effect from their loan fund, operational expense operational income, and loan to deposit ratio, to return on asset amounted 98,1%, (2) there was a effect of loan fund to return on asset amounted -32,7%, (3) there was effect of operational expense operational income to return on asset amounted -90,6%, (4) there was a effect of loan to deposit ratio to return on asset amounted 35,6%.
keyword : operational expense operational income, loan fund, loan to deposit ratio, return on asset