PENGARUH NON PERFORMING LOAN DAN LOAN TO DEPOSIT RATIO SERTA BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSETS PADA LEMBAGA PERKREDITAN DESA DI KECAMATAN NEGARA

Abstract

Penelitian ini bertujuan untuk menguji pengaruh non performing loan (NPL), loan to deposit ratio (LDR), dan biaya operasional pendapatan operasional (BOPO) terhadap return on assets (ROA) baik secara simultan maupun secara parsial pada LPD Kecamatan Negara. Desain penelitian yang digunakan adalah kuantitatif kausal. Teknik penentuan sampel yang digunakan adalah purposive sampling, berdasarkan kriteria penentuan sampel maka sampel yang didapatkan adalah 8 LPD. Subjek dari penelitian ini adalah LPD Kecamatan Negara dan objeknya adalah Non Performing Loan (NPL), dan Loan To Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO) dan Return On Assets (ROA). Jenis data yang digunakan adalah data kuantitatif yang dikumpulkan dengan metode pencatatan dokumen dan dianalisis menggunakan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa: 1) NPL, LDR, dan BOPO berpengaruh signifikan terhadap ROA, 2) NPL berpengaruh tidak signifikan terhadap ROA, 3) LDR berpengaruh signifikan terhadap ROA, 4) BOPO berpengaruh signifikan terhadap ROA.
Kata Kunci : Biaya Operasional Pendapatan Operasional, Loan To Deposit Ratio, Non Performing Loan,dan Return On Assets

The research is purpose to know about effect of, non performing loan (NPL), loan to deposit ratio (LDR), and operational expense operational income (BOPO) on return on assets (ROA) both simultaneously and partially at LPD in Negara District. The design of this study is a causal quantitative. Sampling technique used was purposive sampling, sample selection criteria based on the samples obtained are 8 LPD. The subject of this research was LPD of Negara District and the objects were the Non Performing Loan (NPL), Loan To Deposit Ratio (LDR), Operational Expense Operational income (BOPO) and Return On Assets (ROA). The type date which required is the quantitative date, collected by method recording of document and it’s analyzed using multiple linear regression analysis. The result research show that: (1) NPL, LDR, and BOPO had a significant effect on ROA. (2) NPL has a not significant effect on ROA. (3) LDR has a significant effect on ROA. (4) BOPO had a significant effect on ROA.
keyword : Operational Expense Operational Income, Loan To Deposit Ratio, Non Performing Loan, and Return On Assets