CD Tesis
Faktor-Faktor Yang Mempengaruhi Profitabilitas Dimoderasi Oleh Non Performing Loan (Studi Empiris Pada Bank Perkreditan Rakyat Di Indonesia)
This study aims to determine the effect of the variable gross domestic product, Loan to Deposit Ratio, credit interest rates on Return on Assets is moderated by Non Performing Loans empirical studies on Rural Credit Banks in Indonesia.
The population in this study are all Conventional People's Credit Banks in Indonesia. By using purposive sampling technique, 26 samples were selected. Data collection methods in this study use indirect observation. Data testing uses normality test, classic assumption test which consists of multicollinearity test, heteroscedasticity test, and autocorrelation test. While the analytical method used is a moderation regression analysis (MRA) using SPSS software.
The results of this study indicate that gross domestic product has no significant effect on Return on Assets, Loan to Deposit Ratio has no significant effect on Return on Assets, Credit Interest Rates have no significant effect on Return on Assets, Non Performing Loans have a significant effect on Return on Assets, Non Performing Loans do not moderate the relationship of gross domestic product to Return on Assets, Non Performing Loans do not moderate the relationship of Loan to Deposit Ratio to Return on Assets, Non Performing Loans moderate the relationship of lending rates to Return on Assets.
Keywords : Gross Domestic Product, Loan to Deposit Ratio, Credit Interest Rates, Non Performing Loans, Return on Assets.
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