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The Effect of Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) on Return On Assets (ROA) in The Commercial Banking Category of Buku 4 Period 2016-2020

Tugas Akhir, 041 / 2021 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2023-05-12 16:38:37
Oleh : Kinanti Nur' Anisa - 185121045 (kinanti.nur.kpn18@polban.ac,id)
Dibuat : 2023-05-12, dengan 4 file

Keyword : Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Assets (ROA)
Subjek : Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Assets (ROA)

Penelitian ini bertujuan untuk mengetahui pengaruh Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) terhadap Return On Assets (ROA) pada Bank Umum kelompok BUKU 4 periode 2016-2020. Populasi dalam penelitian ini yaitu Bank Umum yang terdaftar di Bursa Efek Indonesia (BEI). Pengambilan sampel menggunakan metode purposive sampling sehingga diperoleh 7 Bank Umum kelompok BUKU 4. Teknik analisis yang digunakan adalah analisis regresi data panel yang diolah menggunakan software Eviews 9. Model regresi data panel yang terpilih yaitu Random Effect Model (REM). Hasil penelitian ini menunjukkan bahwa secara parsial variabel Loan to Deposit Ratio (LDR) tidak berpengaruh signifikan terhadap Return On Assets (ROA) dan Non Performing Loan (NPL) berpengaruh negatif dan signifikan terhadap Return On Assets (ROA). Sedangkan secara simultan variabel Loan to Deposit Ratio (LDR) dan Non Performing Loan (NPL) berpengaruh signifikan terhadap Return On Assets (ROA). Kata kunci: Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Assets (ROA).

Deskripsi Alternatif :

The aims of this research to examine the effect of Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) on Return On Assets (ROA) in the Commercial Bank category BUKU 4 period 2016-2020. The population are commercial banks that already listed on the Indonesia Stock Exchange (IDX). The method of sampling used purposive sampling was obtained from 7 Commercial Bank category BUKU 4. The analysis technique used is regression analysis with a data panel used by Eviews 9 Software. The selected panel data regression model is Random Effect Model (REM). The result showed that Loan to Deposit Ratio (LDR) partially had no significant effect on Return On Assets (ROA) and Non Performing Loan (NPL) partially had a negative effect and significant on Return On Assets (ROA). While Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) simultaneously had a significant effect on Return On Assets (ROA). Keywords: Loan to Deposit Ratio (LDR), Non Performing Loan (NPL), Return On Assets (ROA).

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