PENGARUH BIAYA OPERASIONAL PENDAPATAN OPERASIONAL, LOAN TO DEPOSIT RATIO, CAPITAL ADEQUACY RATIO DAN NON PERFORMING LOAN TERHADAP PROFITABILITAS PADA LEMBAGA PERKREDITAN DESA (LPD) DESA ADAT LEMUKIH KECAMATAN SAWAN

Abstrak

Penelitian ini bertujuan untuk mengetahui pengaruh (1) biaya operasional pendapatan operasional, loan to deposit ratio, capital adequacy ratio dan non performing loan secara simultan terhadap profitabilitas, (2) biaya operasional pendapatan operasional, loan to deposit ratio, capital adequacy ratio dan non performing loan secara parsial terhadap profitabilitas. Desain penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian adalah Lembaga Perkreditan Desa (LPD) Desa Adat Lemukih, Kecamatan Sawan, dan objek penelitian adalah biaya operasional pendapatan operasional, loan to deposit ratio, capital adequacy ratio, non performing loan dan profitabilitas. Data dikumpulkan dengan pencatatan dokumen, kemudian dianalisis dengan analisis regresi linear berganda. Hasil penelitian menunjukkan bahwa (1) secara simultan biaya operasional pendapatan operasional, loan to deposit ratio, capital adequacy ratio dan non performing loan berpengaruh signifikan terhadap profitabilitas, (2) secara parsial biaya operasional pendapatan operasional berpengaruh negatif dan signifikan terhadap profitabilitas, non performing loan berpengaruh negatif dan signifikan terhadap profitabilitas, dan loan to deposit ratio berpengaruh positif dan signifikan terhadap profitabilitas, capital adequacy ratio berpengaruh positif dan signifikan terhadap profitabilitas.
Kata Kunci : biaya operasional pendapatan operasional, loan to deposit ratio, capital adequacy ratio, non performing loan, profitabilitas.

The purpose of this research to known about (1) the simultaneously effect of operating expenses operating income, loan to deposit ratio, capital adequacy ratio and non performing loan toward profitability, 2) the partially effect of operating expenses operating income, loan to deposit ratio, capital adequacy ratio and non performing loan toward profitability. The research design used was quantitative causal. The subject of this research was Lembaga Perkreditan Desa (LPD) Lemukih in Sawan districts, and the object of this research were operating expenses operating income, loan to deposit ratio, capital adequacy ratio and non performing loan, and profitability. The data was obtained by documentation technique, and then it’s analyzed by multiple linear regression. The result of this research shows that (1) simultaneously operating expenses operating income, loan to deposit ratio, capital adequacy ratio and non performing loan had significant effect toward profitability, (2) partially operating expenses operating income had negative and significant effect toward profitability, non performing loan had negative and significant effect toward profitability, and loan to deposit ratio had positive and significant effect toward profitability, capital adequacy ratio had positive and significant effect toward profitability.
keyword : operating expenses operating income, loan to deposit ratio, capital adequacy ratio, non performing loan, profitability.