PENGARUH NON PERFORMING LOAN DAN LOAN TO DEPOSIT RATIO SERTA BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP RETURN ON ASSET PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA - ., I Gusti Kadek Pradnyana Baskara; ., Gede Putu Agus Jana Susila, S.E., MBA.; ., Komang Krisna Heryanda, S.E., M.M. (Jurnal Manajemen Indonesia, 2018)
Penelitian ini bertujuan untuk mengetahui pengaruh (1) non performing loan, loan to deposit ratio dan biaya operasional pendapatan operasional secara simultan terhadap return on asset, (2) non performing loan terhadap return on asset (3) loan to deposit ratio terhadap return on asset, (4) biaya operasional pendapatan operasional terhadap return on asset. Rancangan penelitian yang digunakan adalah kuantitatif kausal. Subjek penelitian adalah perusahaan perbankan yang terdaftar di bursa efek Indonesia, dan objek penelitian adalah non performing loan, loan to deposit ratio, biaya operasional pendapatan operasional dan return on asset. Hasil penelitian menunjukkan bahwa (1) non performing loan, loan to deposit ratio dan biaya operasional pendapatan operasional secara simultan berpengaruh signifikan terhadap return on asset sebesar 99,1%, (2) non performing loan tidak berpengaruh signifikan terhadap return on asset, (3) loan to deposit ratio tidak berpengaruh signifikan terhadap return on asset, (4) biaya operasional pendapatan operasional berpengaruh negatif signifikan terhadap return on asset sebesar -98,1%. Kata Kunci : biaya operasional pendapatan operasional, loan to deposit ratio, non performing loan, return on asset The research was aiming to find the influence of (1) non performing loan, loan to deposit ratio and operation cost for operation income simultaneously on the return on asset, (2) non performing loan on return on asset, (3) loan to deposit ratio on return on asset, (4) operation cost for operation income on return on asset. The research design used was quantitative causal. The subject of research were the company banks which is listed on the Indonesia Stock Exchange, and the object of this research were non performing loan, loan to deposit ratio, the operation cost for operation income and return on asset. The result of this research shows that (1) non performing loan, loan to deposit ratio and operation cost for operation income return on asset had significant effect on the return on asset about 99,1%, (2) non performing loan had not significant effect on the return on asset, (3) loan to deposit ratio had not significant effect on the return on asset, (4) operation cost for operation income had negative significant effect on the return on asset about -98,1%. keyword : loan to deposit ratio, non performing loan, operation cost for operation income and return on asset