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

Abstract

Penelitian ini bertujuan untuk menguji pengaruh (1) non performing loan, net interest margin dan loan to deposit ratio terhadap return on asset, (2) non performing loan terhadap return on asset, (3) net interest margin terhadap return on asset, dan (4) loan to deposit ratio terhadap return on asset. Desain penelitian menggunakan kuantitatif kausal. Subjek penelitian ini adalah Lembaga Perkreditan Desa di Kecamatan Petang, dan objek penelitian adalah non performing loan, net interest margin, loan to deposit ratio, dan return on asset. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) non performing loan, net interest margin dan loan to deposit ratio berpengaruh signifikan terhadap return on asset, (2) non performing loan berpengaruh negatif dan signifikan terhadap return on asset, (3) net interest margin berpengaruh positif dan signifikan terhadap return on asset, dan (4) loan to deposit ratio berpengaruh negatif dan tidak signifikan terhadap return on asset.
Kata Kunci : loan to deposit ratio, net interest margin, non performing loan, return on asset

This study aimed to examine the effect of (1) non performing loan, net interest margin and loan to deposit ratio on return on asset, (2) non performing loan on return on asset, (3) net interest margin on return on asset, and (4) loan to deposit ratio on return on asset. The design of this study was causal quantitative. The subjects of this research is Lembaga Perkreditan Desa in Sub-district Petang, and the object of the study is non performing loan, net interest margin, loan to deposit ratio, and return on asset. Data collected by recording documents, and analyzed using multiple linear regression analysis. The results showed that (1) non performing loan, net interest margin and loan to deposit ratio have a significant effect on return on asset, (2) non performing loan has a negative and significant effect on return on asset, (3) net interest margin has a positive and significant effect on return on asset, and (4) loan to deposit ratio has a negative and not significant effect on return on asset.
keyword : loan to deposit ratio, net interest margin, non performing loan, return on asset