EFFECT OF LOAN TO DEPOSIT RATIO (LDR) AND NON-PERFORMING LOANS (NPL) ON RETURN ON ASSETS (ROA) (Case Study at PT BPR MITRA KANAKA SANTOSA 2013-2017)
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Date
2020
Journal Title
Journal ISSN
Volume Title
Publisher
International Journal of Psychosocial Rehabilitation, Vol.24, Issue 02
Abstract
Banking is one of the financial institutions that has the main activity of raising funds from the
community and channeling these funds in the form of loans to the community. Loan to Deposit Ratio (LDR), Non
Performing Loans (NPL) and Return On Assets (ROA) are bank financial ratios used to assess banking performance.
The ratio of loans to deposits (LDR) and Non Performing Loans (NPL) to the Return on Assets (ROA) case study at
PT. Mitra Mitra Kanaka Santosa financial statements for the period 2013-2017. The research methodology used is
multiple regression linear analysis which obtained partial results that the ratio of Loan to Deposit Ratio (LDR) has
a significant positive effect on Return On Assets (ROA), Non Performing Loans (NPL) has a significant positive
effect on Return on Assets (ROA) and Simultaneously obtained a significant Loan to Deposit Ratio (LDR) and Non
Performing Loan (NPL) to Return on Assets (ROA).
Description
Keywords
Loan to Deposit Ratio (LDR), Non Performing Loans (NPL), Return On Assets (ROA)