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Pengaruh Non Performing Loan Dan Loan to Deposit Ratio Terhadap Rerurn On Assets Pada PT. Bank Rakyat Indonesia (Persero) Tbk.

Authors

  • Risma Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara
  • Afriyani Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara
  • Nurfatwa Andriani Yasin Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara
  • Agussalim Rahman Sekolah Tinggi Ilmu Ekonomi Tri Dharma Nusantara

DOI:

https://doi.org/10.53654/kh.v2i2.650

Keywords:

Non performing loan, loan to deposit ratio, return on asset.

Abstract

 The purpose of this study is to determine the Effect of Non Performing Loan and
Loan to Deposit Ratio on Return On Asset in PT. Bank Rakyat Indonesia (Persero), Tbk. The
types of data used in this study are qualitative and quantitative. The data source used in this
study is secondary data. The analysis methods used are descriptive analysis and multiple
linear regression, determination coefficient (R2), correlation coefficient (r), t-test, and F test.
The results of this study show the regression equation Y = 15,081 – 0.832X1 – 0.118X2,
determination coefficient, (R2) = 31,2% and correlation coefficient (R) = 0,559. Non
Performing Loan and Loan to Deposit Ratio have a significant effect on Return On Asset. Non
Performing Loan have a negative and significant effect on Return On Assets. Meanwhile, the
Loan to Deposit Ratio has a negative and significant effect on the Return On Asset at PT.
Bank Rakyat Indonesia (Persero), Tbk. H1, H2 and H3 were rejected.

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Published

2025-08-20 — Updated on 2025-04-30

Versions

How to Cite

Risma, Afriyani, Andriani Yasin, N., & Rahman, A. (2025). Pengaruh Non Performing Loan Dan Loan to Deposit Ratio Terhadap Rerurn On Assets Pada PT. Bank Rakyat Indonesia (Persero) Tbk. Khazanah Journal: Economics, Muamalah &Amp; Entrepreneurship, 2(2), 76–82. https://doi.org/10.53654/kh.v2i2.650 (Original work published August 20, 2025)

Issue

Vol. 2 No. 2 (2025)

Section

Articles