PENGARUH RASIO NON PERFORMING LOAN, RASIO BOPO DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PT. BANK PERMATA, Tbk PERIODE 2011-2018

Ershanti, Agata Nindya and Diana Supriati, Diana (2020) PENGARUH RASIO NON PERFORMING LOAN, RASIO BOPO DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PT. BANK PERMATA, Tbk PERIODE 2011-2018. PENGARUH RASIO NON PERFORMING LOAN, RASIO BOPO DAN LOAN TO DEPOSIT RATIO TERHADAP RETURN ON ASSET PT. BANK PERMATA, Tbk PERIODE 2011-2018. (Unpublished)

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Non Performing Loan (NPL), Biaya Operasional Pendapatan Operasional (BOPO) dan Loan to Deposit Ratio (LDR) terhadap Return On Assets. Metode penelitian ini adalah deskriptif kuantitatif. Subjek penelitian ini adalah PT. Bank Permata, Tbk, dengan sampel dipilih menggunakan metode purposive sampling, yaitu pihak yang dapat memberikan informasi tentang data yang diinginkan. Sampel penelitian ini terdiri dari bagian keuangan untuk data sekunder berupa laporan keuangan 2011-2018. Teknik analisis data menggunakan metode statistik deskriptif, yaitu uji asumsi klasik seperti uji normalitas, uji heteroskedastisitas, uji autokorelasi, uji multikolinearitas, uji analisis regresi linear berganda, uji parsial dengan uji t, uji simultan dengan uji F, uji analisis koefisien korelasi dan uji koefisien determinasi dengan tingkat signifikansi 5%. Hasil penelitian ini menunjukkan bahwa secara parsial menunjukkan bahwa Non Performing Loan (NPL) berpengaruh signifikan terhadap Return On Asset, Rasio BOPO berpengaruh signifikan terhadap Return On Asset, Loan to Deposit Ratio (LDR) berpengaruh signifikan terhadap Return On Asset, serta hasil penelitian ini menunjukkan bahwa secara simultan menunjukkan bahwa Non Performing Loan (NPL), Rasio BOPO, dan Loan to Deposit Ratio (LDR) berpengaruh terhadap Return On Asset (ROA). Kata Kunci: Non Performing Loan, Biaya Operasional Pendapatan Operasional, Loan to Deposit Ratio, ROA Abstract This study aims to determine the effect of Non Performing Loans (NPL), Operating Costs and Operating Income (BOPO) and Loan to Deposit Ratio (LDR) on Return On Assets. This research method is descriptive quantitative. The subject of this research is PT. Bank Permata, Tbk, with a sample selected using a purposive sampling method, namely parties who can provide information about the desired data. The sample of this research consisted of the financial section for secondary data in the form of financial statements 2011-2018. Data analysis techniques used statistical analysis, including descriptive statistical analysis, classical assumption test (normality test, heteroscedasticity, autocorrelation, multicollinearity) multiple linear regression analysis, partial test (t test), simultaneous test (F test), correlation coefficient test and coefficient test. determination with a significance level of 5%. The results of this study indicate that partially it shows that Non-Performing Loans (NPL) have a significant effect on Return On Assets, the BOPO Ratio has a significant effect on Return on Assets, the Loan to Deposit Ratio (LDR) has a significant effect on Return On Assets, and the results of this study indicate that simultaneously shows that Non Performing Loans (NPL), BOPO Ratio, and Loan to Deposit Ratio (LDR) have an effect on Return On Assets (ROA). Keywords: Non Performing Loans, Operational Costs Operating Income, and Loan to Deposit Ratio, ROA

Item Type:	Article
Subjects:	Akuntansi > Akuntansi Keuangan
Depositing User:	Users 180 not found.
Date Deposited:	27 Jan 2021 08:52
Last Modified:	27 Jan 2021 08:52
URI:	http://repository.stei.ac.id/id/eprint/3512

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