PENGARUH KREDIT BERMASALAH DAN LOAN TO DEPOSIT RATIO TERHADAP PROFITABILITAS PADA BANK BUMN PERIODE 2013-2020 --

ABSTRAK
Sy Melinda Munawar Sahara 2021, Pengaruh Kredit Bermasalah Dan Loan To Deposit Ratio Terhadap Profitabilitas Pada Bank Bumn Periode 2013-2020 dibimbing oleh Bapak Fatahul Rahman, S.E., M.,Si., Ak., CA selaku pembimbing I dan Bapak Sigit Hartoko, S. S.T., M.E selaku pembimbing II. Penelitian ini bertujuan untuk mengetahui pengaruh kredit bermasalah dan loan to deposit ratio secara parsial dan simultan terhadap profitabilitas dengan menggunakan uji regresi linear berganda Bank BUMN yang terdaftar di Bursa Efek Indonesia periode 2013- 2020. Jenis penelitian ini adalah penelitian deksriptif dengan data sekunder yang berasal dari laporan keuangan Bank BUMN yang terdaftar dan diperoleh langsung dari situs di Bursa Efek Indonesia. Penelitian ini menggunakan data tahun 2013-2020 dengan jumlah sampel 4 Bank Bumn dari jumlah populasi sebanyak 32 Bank Bumn. Hasil dari penelitian ini menunjukkan bahwa; 1) Kredit Bermasalah dengan nilai t = -7,542 dan signifikan 0,000, berpengaruh negatif dan sangat signifikan secara parsial terhadap Profitabilitas pada Bank BUMN periode 2013-2020.; 2) Loan to Deposi Ratio dengan nilai t = -1,794 dan signifikan 0,083, berpengaruh negatif dan kurang signifikan secara parsial terhadap Profitabilitas pada Bank BUMN periode 2013-2020.; dan 3) Kredit Bermasalah dan Loan to Deposi Ratio dengan nilai F hitung sebesar 53,065 dan signifikansi sebesar 0,000, berpengaruh dan sangat signifikan secara simultan terhadap profitabilitas pada Bank BUMN Periode 2013-2020.
Kata Kunci : Kredit Bermasalah, Loan to Deposit Ratio dan Profitabilitas.
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ABSTRACT
Sy Melinda Munawar Sahara 2021, The Effect of Non-performing Loans and Loan To Deposit Ratios on Profitability in State-Owned Banks for the 2013-2020 period, supervised by Mr. Fatahul Rahman, SE, M., Si., Ak., CA as supervisor I and Mr. Sigit Hartoko, SST , ME as supervisor II. This study aims to determine the effect of non-performing loans and loan to deposit ratios partially and simultaneously on profitability by using multiple linear regression tests of state-owned banks listed on the Indonesia Stock Exchange for the period 2013-2020. This type of research is descriptive research with secondary data derived from financial statements of state-owned banks that are registered and obtained directly from the site on the Indonesia Stock Exchange. This study uses data from 2013-2020 with a sample of 4 state-owned banks from a total population of 32 state-owned banks. The results of this study indicate that; 1) Non-performing loans with a value of t = -7.542 and a significant 0.000, a negative and very significant effect partially on Profitability in State-Owned Banks for the 2013-2020 period; 2) Loan to Deposit Ratio with a value of t = -1.794 and a significant 0.083, has a negative and partially insignificant effect on Profitability in State-Owned Banks for the 2013-2020 period; and 3) Non-performing Loans and Loan to Deposits Ratio with a calculated F value of 53.065 and a significance of 0.000, influential and very significant simultaneously on the profitability of BUMN Banks for the 2013-2020 period.
Keywords: Non-Performing Loans, Loan to Deposit Ratio and Profitability.