PENGARUH CAPITAL ADEQUACY RATIO DAN LOAN TO DEPOSIT RATIO SERTA NON PERFORMING LOAN TERHADAP RETURN ON ASSET PADA LEMBAGA PERKREDITAN DESA KECAMATAN MELAYA

Abstract

Penelitian ini bertujuan untuk menguji pengaruh secara simultan dan parsial dari capital adequacy ratio, loan to deposit ratio dan non performing loan terhadap return on asset. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah Lembaga Perkreditan Desa (LPD) Kecamatan Melaya dan objek penelitian ini adalah dana capital adequacy ratio, loan to deposit ratio, non performing loan dan return on asset. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis dengan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) capital adequacy ratio, loan to deposit ratio, non performing loan berpengaruh signifikan terhadap return on asset (2) Capital adequacy ratio berpengaruh positif dan signifikan terhadap return on asset (3) Loan to deposit ratio berpengaruh positif dan tidak signifikan terhadap return on asset (4) Non performing loan berpengaruh negatif dan signifikan terhadap return on asset.
Kata Kunci : Capital Adequacy Ratio, Non Performing Loan, Loan to Deposit Ratio, Return On Asset.

This research has a purpose to test the effectiveness simultaneous and partial of capital adequacy ratio, loan to deposit ratio and non performing loan on return on asset. The research design is causal quantitative research. The subject of this research is the perkreditan village (LPD) Melaya District and the object of this reseach are capital adequacy ratio, loan to deposit ratio, non performing loan and return on asset. The data was obtained by documentation technique, and by multiple linear regression analyzed. The results of this research shows (1) capital adequacy ratio, loan to deposit ratio and non performing loan on return on asset (2) capital adequacy ratio has positive effect and significantly to ward the return on asset (3) loan to deposit ratio has positive effect and in significantly to ward the return on asset (4) non performing loan has negative effect and significantly to ward the return on asset.
keyword : Capital Adequacy Ratio, Loan to Deposit Ratio, Non Performing Loan, Return On Asset