Abstract:
This research was conducted to assess the Influence of Operating Revenue Operating Expense (BOPO), Non Performing Loan (NPL), Net Interest Margin (NIM) and Capital Adequacy Ratio (CAR) toward the Loan to Deposit Ratio (LDR). This research based on the Financial Statement of PT Bank Negara Indonesia (Persero) Tbk in the period 2006 – 2013 quarterly. Data analysis technique used is multiple linear regression with least squares equation and test hypotheses using t-statistic for testing the partial regression coefficients and F-statistics to test the effect together with a significance level of 5%. It also tested the classical assumptions that included tests of normality, multicollinearity test, test of heteroscedasticity and autocorrelation test. This shows the available data has been qualified using multiple linear regression equation model. These results indicate that Operation Revenue Operation Expense (BOPO) have a no significant effect towards the LDR in PT Bank Negara Indonesia (Persero) Tbk. The variable NPL, NIM and CAR significantly positive effect on the LDR. Predictive ability of four variables to LDR in this study of 90.3%, while the remaining 9.7% be affected by other factors not included in the research model.
