PENGARUH CAPITAL ADEQUACY RATIO DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL SERTA LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSETS PADA LPD DI KECAMATAN BULELENG

Abstract

Penelitian ini bertujuan untuk menguji pengaruh (1) capital adequacy ratio dan biaya operasional pendapatan operasional serta loan to deposit ratio secara simultan terhadap return on assets, (2) capital adequacy ratio terhadap return on assets, (3) biaya operasional pendapatan operasional terhadap return on assets, (4) loan to deposit ratio terhadap return on assets. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah LPD di Kecamatan Buleleng dan objek penelitianya adalah capital adequacy ratio, biaya operasional pendapatan operasional, loan to deposit ratio dan return on assets. Data dikumpulkan dengan pencatatan dokumen dan analisis dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) ada pengaruh secara simultan capital adequacy ratio dan biaya operasional pendapatan operasional serta loan to deposit ratio terhadap return on assets sebesar 73,8%, (2) ada pengaruh positif dan tidak signifikan capital adequacy ratio terhadap return on assets sebesar 8,8%, (3) ada pengaruh positif dan signifikan biaya operasional pendapatan operasional terhadap return on assets sebesar 67,5%, (4) ada pengaruh positif dan signifikan loan to deposit ratio terhadap return on assets sebesar 51,5%.
Kata Kunci : capital adequacy ratio, biaya operasional pendapatan operasional, loan to deposit ratio,dan return on assets

The research has a purpose to examine the effect of, (1) capital adequacy ratio, the operational cost to eperational expenses, and loan to deposit ratio simultaneously on the return on assets, (2) capital adequacy ratio on the return on assets, (3) the operational cost to eperational expenses on the return on assets, (4) loan to deposit ratio on the return on assets. The research design used was quantitative causal. The subject of research were LPD in Buleleng Districts, and the object of this research were capital adequacy ratio, the operational cost to eperational expenses, loan to deposit ratio and return on assets. The data was obtained by documentation technique, and analyzed using multiple linear regression. The result of this research shows that (1) there was a effect simultaneously from their capital adequacy ratio, the operational cost to eperational expenses, and loan to deposit ratio on the return on assets about 73,8%, (2) there was a positive effect and no significant capital adequacy ratio on the return on assets about 8,8%, (3) there was a positive effect and significant the operational cost to eperational expenses on the return on assets about 67,5%, (4) there was a positive effect and significant loan to deposit ratio on the return on assets about 51,5%.
keyword : capital adequacy ratio, the operational cost to eperational expenses, loan to deposit and return on assets.