ANALISIS PENGARUH LAR, LDR DAN NPM TERHADAP PROFITABILITAS INDUSTRI PERBANKAN INDONESIA

Abstract

The bank is one of the financial institutions that have an important role in the economy of a country as a financial intermediary institution. The purpose of this research is to know the relationship between loan to asset ratio, loan to deposit ratio and net profit margin, loan to return on asset in banking industry which listed in (BEI) and to know how much influence of both variables to the return on assets.The population in this research is 4 banking company that entered in the list of 2000 world's largest emitten in 2017. Sampling technique in this research using the method by saturated sampling. The independent variable in this research is loan to asset ratio, loan to deposit ratio and net profit margin, dependent variable is return on assets. Methods of data collection is done by documentation method. The collected data were analyzed by multiple linear regression analysis technique and classical assumption test.The results of this research indicates loan to assets ratio have a positive and significant influence on return on assets. Net profit margin have a positive and significant influence on return on assets. Loan to deposit ratio has a negative and significant influence on return on assets.
Keywords: return on assets , loan to assets ratio, loan to deposit ratio, net profit margin