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The Influence of Loan to Deposit Ratio (LDR) and Operating Expense to Operating Income (BOPO) Towards Return On Assets (ROA) in Bank Mandiri Period 2010-2017

Tugas Akhir, 029 / 2018 / KPN
Undergraduate Theses from JBPTPPOLBAN / 2020-02-06 08:48:52
Oleh : Siska Rahmani -155121030 (siska.rahmani@gmail.com )
Dibuat : 2019-07-23, dengan 4 file

Keyword : Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), Return On Assets (ROA)
Subjek : Loan to Deposit Ratio (LDR), Operating Expense to Operating Income (BOPO), Return On Assets (ROA)

Penelitian ini bertujuan untuk mengetahui pengaruh Loan to Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO) secara parsial dan simultan terhadap Return On Assets (ROA) pada Bank Mandiri Periode 2010-2017. Metode penelitian yang digunakan adalah metode analisis regresi linier berganda dan teknik analisis data menggunakan uji-t dan uji f. Data yang digunakan dalam penelitian ini adalah Laporan Keuangan Triwulanan Bank Mandiri Periode 2010-2017. Pengolahan data yang digunakan adalah program Software IBM SPSS statistik versi 20. Variabel independen yang digunakan yaitu Loan to Deposit Ratio (LDR) dan Biaya Operasional Pendapatan Operasional (BOPO). Variabel dependen yang digunakan yaitu Return On Assets (ROA). Hasil perhitungan dalam penelitian ini menunjukkan bahwa secara parsial Loan to Deposit Ratio (LDR) memiliki pengaruh negatif dan signifikan terhadap Return On Assets (ROA). Sedangkan Biaya Operasional Pendapatan Operasional (BOPO) memiliki pengaruh negatif dan signifikan terhadap Return On Assets (ROA). Secara simultan LDR dan BOPO memiliki pengaruh terhadap Return On Assets (ROA) pada Bank Mandiri Periode 2010-2017. Kata Kunci: Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), Return On Assets (ROA)

Deskripsi Alternatif :

This research aim to determine the influence of Loan to Deposit Ratio (LDR) and Operating Expense to Operating Income (BOPO) partially and simultaneously towards Return On Assets (ROA) at Bank Mandiri Period 2010-2017. The research method used is OLS (Ordinary Least Square) analysis method with multiple linear regression analysis model and hypothesis technique using t-test and f test. Data used in this research is Quarterly Financial Report Bank Mandiri Period 2010-2017. Data is processed by using IBM SPSS software program version 20. Independent variables are Loan to Deposit Ratio (LDR) and Operating Cost Operating Income (BOPO). The dependent variable is Return On Asset (ROA). The results of calculations in this research indicate that the LDR has a significant negative influence on ROA. While BOPO has a significant negative influence on ROA. Simultaneously, LDR and BOPO have influence on ROA at Bank Mandiri Period 2010-2017. Keywords: Loan to Deposit Ratio (LDR), Operating Expense to Operating Income (BOPO), Return On Assets (ROA)

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