Pengaruh Capital Adequacy Ratio (Car), Loan To Deposit Ratio (Ldr) Dan Biaya Operasional Pendapatan Operasional Pada Lembaga Perkreditan Desa Kecamatan Seririt Periode 2012-2014

Abstract

Penelitian ini bertujuan untuk memperoleh temuan eksplanatif yang teruji tentang pengaruh (1) Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO) terhadap Profitabilitas secara simultan pada LPD Kecamatan Seririt, (2) Capital Adequacy Ratio (CAR), Loan To Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO terhadap Profitabilitas secara parsial pada LPD Kecamatan Seririt. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian ini adalah Lembaga Perkreditan Desa (LPD) Kecamatan Seririt, dan objek penelitian adalah Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), dan profitabilitas. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) ada pengaruh positif dan signifikan secara simultan dari Capital Adequacy Ratio (X1), Loan To Deposit Ratio (X2) dan Biaya Operasional Pendapatan Operasional (X3) terhadap profitabilitas (Y) pada LPD Kecamatan Seririt, dan (2) ada pengaruh positif dan signifikan secara parsial dari Capital Adequacy Ratio (X1), Loan To Deposit Ratio (X2) terhadap profitabilitas, sedangkan Biaya Operasional Pendapatan Operasional (X3) berpengaruh negatif dan signifikan secara parsial terhadap profitabilitas (Y) pada LPD Kecamatan Seririt.
Kata Kunci : Capital Adequacy Ratio, Loan to Deposit Ratio, BOPO, dan Profitabilitas.

The purpose of this research to get tested explanative findings about the effects of (1) Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and BOPO on the profitability simultaneously at LPD in Seririt Districts, (2) Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR) and BOPO on the profitability partially at LPD in Seririt Districts. The used research design was quantitative causal. The subject of this research was LPD in Seririt Districts, and the object of this research were Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), BOPO, and profitability. The data was obtained by documentation technique, and it’s analyzed using multiple linier regressions. The results of this research show that (1) There was a positive effect and simultaneously significant of Capital Adequacy Ratio (X1), Loan to Deposit Ratio (X2) and BOPO (X3) on the profitability (Y) at LPD in Seririt Districts, and (2) There was a positive effect and partially significant of Capital Adequacy Ratio (X1), Loan to Deposit Ratio (X2) on the profitability, different beside BOPO (X3) had negative effect and partially significant effect on the profitability (Y) on LPD in Seririt District.
keyword : Capital Adequacy Ratio,Loan to Deposit Ratio, BOPO, and Profitability.