PENGARUH NET INTEREST MARGIN DAN LOAN TO DEPOSIT RATIO TERHADAP KINERJA KEUANGAN PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA

Abstrak

Penelitian ini bertujuan untuk menguji pengaruh secara keseluruhan dan parsial baik secara langsung maupun tidak langsung dari net interest margin dan loan to deposit ratio terhadap kinerja keuangan dan pengaruh net interest margin terhadap loan to deposit ratio. Subjek penelitian ini adalah perusahaan perbankan yang terdaftar di Bursa Efek Indonesia dan objek penelitian ini adalah net interest margin, loan to deposit ratio dan return on asset. Desain penelitian yang digunakan adalah kuantitatif kausal. Data dikumpulkan dengan pencatatan dokumen, kemudian dianalisis dengan analisis jalur. Hasil penelitian menunjukkan bahwa (1) net interest margin dan loan to deposit ratio berpengaruh signifikan terhadap return on asset, (2) net interest margin berpengaruh positif dan signifikan terhadap loan to deposit ratio, (3) net interest margin berpengaruh positif dan signifikan terhadap return on asset (4) loan to deposit ratio berpengaruh negatif dan tidak signifikan terhadap return on asset.
Kata Kunci : loan to deposit ratio, net interest margin, return on asset

This study aims to examine the overall and partial influence both directly and indirectly of net interest margin and loan to deposit ratio on financial performance and the effect of net interest margin on loan to deposit ratio. The subject of this study is a banking company listed on the Indonesia Stock Exchange and the object of this research is net interest margin, loan to deposit ratio and return on assets. The research design used is quantitative causal. Data is collected by recording documents, then analyzed by path analysis. The results show that (1) net interest margin and loan to deposit ratio have a significant effect on return on assets, (2) net interest margin has a positive and significant effect on loan to deposit ratio, (3) net interest margin has a positive and significant effect on return on assets (4) loan to deposit ratio has a negative and not significant effect on return on assets.
keyword : loan to deposit ratio, net interest margin, return on assets