PENGARUH NON PERFORMING LOAN DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL SERTA LOAN TO DEPOSIT RATIO TERHADAP PROFITABILITAS PADA LEMBAGA PERKREDITAN DESA KECAMATAN NEGARA

Abstract

Penelitian ini bertujuan untuk memperoleh hasil pengujian dari pengaruh (1) non performing loan, biaya operasional pendapatan operasional, dan loan to deposit ratio terhadap profitabilitas secara simultan pada Lembaga Perkreditan Desa (LPD) Kecamatan Negara dan (2) non performing loan, biaya operasional pendapatan operasional, dan loan to deposit ratio terhadap profitabilitas secara parsial pada LPD Kecamatan Negara. Subjek penelitian ini adalah LPD Kecamatan Negara dan objek dari penelitian ini adalah non performing loan, biaya operasional pendapatan operasional, dan loan to deposit ratio, dan profitabilitas. Data dikumpulkan dengan pencatatan dokumen, dan dianalisis dengan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa (1) non performing loan, biaya operasional pendapatan operasional, dan loan to deposit ratio terhadap profitabilitas sebesar 50,5%, (2) non performing loan berpengaruh negatif namun tidak signifikan terhadap profitabilitas sebesar 0,5%, dan (3) biaya operasional pendapatan operasional berpengaruh negatif dan signifikan terhadap profitabilitas sebesar 48,9%, dan (4) loan to deposit ratioberpengaruh positif dan signifikan terhadap profitabilitas sebesar 14,6%.
Kata Kunci : non performing loan, biaya operasional pendapatan operasional, loan to deposit ratio

This study aimed to obtain the results of the effect of (1) non performing loan, operational cost of operating income, and loan to deposit ratio to profitability simultaneously on village credit institutions (LPD) Negara District and (2) non performing loan, operational cost of operating income, and loan to deposit ratioto profitability partially on LPD Negara District. The subject of the study was LPD Negara District and the object of the study were non performing loan, operational cost of operating income, and loan to deposit ratio to profitability. The data was obtained by documentation technique, and it’s analysed by multiple linier regressions. The results of this study showed that (1) non performing loan, operational cost of operating income, and loan to deposit ratio have effectto profitability amounted to 50,5%, (2) non performing loan have effect was negative and not significant to profitability amounted to 0,5%, and (3) operational cost of operating income have effect was negative and significant to profitability amounted to 48,9%, and (4) loan to deposit ratio have effect was positive and significant to profitability amounted to 14,6%.
keyword : non performing loan, operational cost of operating income, loan to deposit ratio