PENGARUH LOAN DEPOSITS RATIO, NON PERFORMING LOAN DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP LABA BERSIH PADA INDUSTRI PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2020

Putri Azimah Arthamas, Putri Azimah Arthamas (2021) PENGARUH LOAN DEPOSITS RATIO, NON PERFORMING LOAN DAN BIAYA OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP LABA BERSIH PADA INDUSTRI PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2016-2020. skripsi thesis, Universitas Batanghari.

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Abstract

ABSTRACT Putri Azimah Arthamas / 1800861201241 / Faculty Of Economics University Batanghari Jambi / Financial Management / 2021 / The Effect Of Loan To Deposits Ratio, Non Performing Loan and Operating Expenses Operating Income On Net Income In The Banking Industry Listed On The Indonesia Stock Exchange Periode 2016-2020 / Advisor 1st Dr. Yunan Surono, SE, MM / 2nd Advisor Ahmadi, SE, MM This Study is to look at the effect of Loan To Deposits Ratio, Non Performing Loan And Operating Expenses Operating Income On Net Income In The Banking Industry Listed On The Indonesia simultaneously and some. For this research example, there are five companies listed on the Indonesia Stock Exchange in 2020, namely BBRI, BBNI, BMRI, BBTN and BBCA. The analysis used in this study is that some linear regression is useful to see the direction of the relationship between the freely bound variables. Simultaneously using the statistical test F and Partially using the statistical test t. Correlation coefficient to find out how the relationship between variables and the coefficient of determination is useful to see the magnitude of the influence of the dependent variabel. The research methods used in this study are quantitative research. Quantitative research methods can be interpreted as a research method based on positivism philosophy, used to examine on certain populations or samples, data collection using research instruments, quantitative/statistical data analysis with the aim of testing a predetermined hypothesis. From the SPSS calculation obtained research result indicating that Y = 29,322 – 2,827 X1 +1,691 X2 – 9,345 X3 + e. Simultaneous Loan to Deposits Ratio, Non Performing Loan and Operating Expenses Operating Income affect on net income with the value of F 20,979 is greater then table is F 3,07 (20,979 > 3,07). Individually (partial) in this study, operating income operating expenses has a significant effect on net income with the value of each a mounth t greater than table t (4,144) and Loan To Deposits Ratio, Non Performing Loan has no effect individuali because the number of result t is smaller than table t. Loan To Deposits Ratio, Non Performing Loan And Operating Expenses Operating Income had an effect of 75% enderemining 25% was influenced by others factors not included is this study. The results of SPSS show that this study has fulfilled the classic assumption test which includes: normal distribution data, no multicollinearity symptoms, no heteroscedasticity asymptoms and no auto correlation. Simultaneously there is a significant effect on net income, a partial Operating Expenses Operating Income have a significant effect on Net Income, while Loan to Deposits Ratio and Non Performing Loan no significant effect on Net Income.

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