ABSTRAK

PENGARUH LOAN TO DEPOSIT RATIO (LDR), RASIO BEBAN

OPERASIONAL TERHADAP PENDAPATAN OPERASIONAL
(BOPO) DAN STRUKTUR MODAL TERHADAP
PROFITABILTAS PADA BANK KATEGORI
BUKU III DAN BUKU IV
PERIODE 2014-2018

Penelitian ini bertujuan untuk mengetahui pengaruh loan to deposit ratio,

rasio beban operasional terhadap pendapatan operasional dan struktur modal secara
parsial terhadap profitabilitas perbankan kategori BUKU III dan BUKU IV yang
mengalami tren penurunan sejak tahun 2014. Populasi dalam penelitian ini adalah
sejumlah 29 bank dan penelitian ini menggunakan teknik purposive sampling
sehingga diperoleh 18 sampel bank yang memiliki modal inti lebih besar dari Rp
5.000.000.000.000. Penelitian ini menggunakan analisis regresi linear dengan
profitabilitas yang diukur dengan return on assets sebagai variabel dependen dan
loan to deposit ratio, rasio beban operasional terhadap pendapatan operasional,
struktur modal yang diukur dengan debt to equity ratio sebagai variabel
independen. Hasil penelitian menunjukkan bahwa loan to deposit ratio tidak
berpengaruh signifikan terhadap profitabilitas, sementara BOPO dan struktur
modal memiliki pengaruh negatif signifikan terhadap profitabilitas.
Kata Kunci: Profitabilitas, Loan to Deposit Ratio, BOPO dan Struktur Modal.
 ABSTRACT
THE EFFECT OF LOAN TO DEPOSIT RATIO (LDR), OPERATING
EXPENSE AGAINST OPERATING INCOME RATIO (BOPO), AND
CAPITAL STRUCTURE ON PROFITABILITY OF BUKU III AND
BUKU IV BANKS IN 2014 – 2018

The objectives of this study are to determine the effect of loan to deposit
ratio (LDR), operating expense against operating income ratio (BOPO) and capital
structure partially on profitability of BUKU III and BUKU IV banks which have
downward tren since 2014. The population in this study are 29 banks and this study
uses purposive sampling technique so that there are 18 banks as samples that have
core capital greater than IDR 5.000.000.000.000. This study uses linear regression
analysis with profitability which measured by return on assets ratio as dependent
variable and loan to deposit ratio, operating expense against operating income
ratio, capital structure as the independent variables. The result of this study
indicates that profitability does not have a significant influence on profitability
while operating expense against operating income ratio and capital structure have
a significant negative effect on profitability.

Keywords: Profitability, Loan to Deposit Ratio, Operating Expense Against

Operating Income Ratio and Capital Structure.