ANALISIS PENGARUH NET INTEREST MARGIN, NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO DAN SUKU BUNGA KREDIT TERHADAP PERTUMBUHAN LABA PADA BANK UMUM MILIK NEGARA PERIODE 2015-2020
Kata Kunci:
Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio, Suku Bunga Kredit, Pertumbuhan LabaAbstrak
Penelitian ini bertujuan untuk mengetahui pengaruh Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio, dan Suku Bunga Kredit Terhadap Pertumbuhan Laba Pada Bank Umum Milik Negara Periode 2015-2020. Setiap perusahaan harus mampu mengelola kinerja keuangannya dengan baik agar dapat memperoleh pertumbuhan laba yang baik dan sehat.
Penelitian ini menggunakan pendekatan kuantitatif dengan teknik pengambilan sampel menggunakan teknik sampel jenuh yakni teknik penentuan sampel bila semua anggota populasi digunakan sebagai sampel. Teknik analisis data yang digunakan adalah statistik deskriptif, uji asumsi klasik, uji analisis regresi linier berganda, uji t, uji f dan uji koefisien determinasi R2.Berdasarkan analisis regresi linier beganda mengenai pengaruh variabel Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio, dan Suku Bunga Kredit Terhadap Pertumbuhan Laba yaitu Y = -3636,267 + 5155,149 – 4933,211 – 9,954 – 595,385 + e. Hasil penelitian menunjukkan bahwa Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio, dan Suku Bunga Kredit secara bersama-sama berpengaruh Terhadap Pertumbuhan Laba Pada Bank Umum Milik Negara. Sebagian Net Interest Margin berpengaruh dan Non Performing Loan, Loan To Deposit Ratio, dan Suku Bunga Kredit tidak berpengaruh terhadap pertumbuhan laba.
The research has some results one of them is a proof for analysis the profit growth on commercial banks Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio and Loan Interest Rate on period 2015-2020. Every company have to excellent ability of managing finance.This study applies a quantitative approach with sampling technique using saturated sampling technique when all members of the population are used as samples. The data analysis technique used is descriptive statistics, classical assumption test, multiple linear regression analysis test, t-test, f-test and R2 determination coefficient test.Based on multiple linear regression analysis the effect Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio, and Loan Interest Rate For Profit Growth it was found that Y = -3636,267 + 5155,149 – 4933,211 – 9,954 – 595,385 + e. The result of the study indicate that Net Interest Margin, Non Performing Loan, Loan To Deposit Ratio amd Loan Interest Rate jointly affect profit growth on Commercial Banks. Some Net Interest Margin have an effect and Non Performing Loan, Loan To Deposit Ratio and Loan Interest Rate have no effest on profit growth.
