PENGARUH LOAN TO DEPOSIT RATIO DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL SERTA KUALITAS AKTIVA PRODUKTIF TERHADAP RETURN ON ASSETS PADA LEMBAGA PERKREDITAN DESA KECAMATAN NEGARA

Abstract

Penelitian ini bertujuan untuk memperoleh hasil pengujian dari pengaruh (1) Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), dan Kualitas Aktiva Produktif (KAP) terhadap Return On Assets (ROA) secara simultan pada LPD Kecamatan Negara dan (2) Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), dan Kualitas Aktiva Produktif (KAP) terhadap Return On Assets (ROA) secara parsial pada LPD Kecamatan Negara. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek dari penelitian ini adalah LPD Kecamatan Negara dan objek dari penelitian ini adalah Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), Kualitas Aktiva Produktif (KAP), dan Return On Assets (ROA). Dalam penelitian ini data dikumpulkan dengan metode pencatatan dokumen dan dianalisis menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa (1) ada pengaruh signifikan secara simultan dari LDR, BOPO, dan KAP terhadap ROA sebesar 81,5%, (2) ada pengaruh positif dan signifikan secara parsial dari LDR terhadap ROA sebesar 56,7%, (3) ada pengaruh negatif dan signifikan secara parsial dari BOPO terhadap ROA sebesar -75,7%, dan (4) ada pengaruh positif dan signifikan secara parsial dari KAP terhadap ROA sebesar 38,7%.
Kata Kunci : LDR, BOPO, KAP dan ROA

This study aimed to obtain the results of the effect of (1) Loan to Deposit Ratio (LDR), operational expense operational income (BOPO), and earnings asset quality (KAP) to Return On Assets (ROA) simultaneously on LPD Negara District and (2) Loan to Deposit Ratio (LDR), operational expense operational income (BOPO), and earnings asset quality (KAP) on Return On Assets (ROA) partially on LPD Negara District. The design of this study is a causal quantitative. The subject of the study was LPD Negara District and the object of the study were Loan to Deposit Ratio (LDR), operational expense operational income (BOPO), earnings asset quality (KAP), and Return On Assets (ROA). In this study, data were collected using the method of recording documents and analyzed using multiple linear regression analysis. The results of this study showed that (1) there was simultaneous significant effect on LDR, BOPO, and KAP to ROA amounted to 81.5%, (2) there was positive and significant effect partially from LDR to BOPO amounted to 56.7%, (3) there was negative and significant effect partially from BOPO to ROA amounted to -75.7%, and (4) there was positive and significant effect partially from KAP to ROA amounted to 38.7%.
keyword : LDR, BOPO, KAP and ROA