PENGARUH LOAN TO DEPOSIT RATIO DAN NET INTEREST MARGIN TERHADAP RETURN ON ASSET PADA PT. BANK MANDIRI (PERSERO) Tbk.

Abstract

This research aims to find out the effect of Loan to Deposit (LDR) and Net Interest Margin (NIM) on Return On Assets at PT. Bank Mandiri. This research was conducted at PT. Bank Mandiri. The data used in this research was financial reports of PT. Bank Mandiri consisting of Balance Sheet and Profit and Loss Report in 2016-2020, and several literature reviews. The analysis method used was the measurement ratio consisting of Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), profitability ratio using Return On Asset (ROA), simple regression analysis, heteroscedasticity test, normality test, multiple regression analysis, determination, F test analysis and t-test analysis. The results of this research indicate that during 2016-2020 period, the level of LDR, NIM, and ROA was fluctuated. The result of simple regression analysis show that LDR positively and significantly affect on company profitability. Based on the results of hypothesis testing, it is concluded that the level of Loan to Deposit Ratio (LDR) at PT. Bank Mandiri has a positive and significant effect on the increase of profitability, while Net Interest Margin (NIM) has no effect on the company profitability.