The Effect of Loan To Deposit Ratio (LDR) and Third Party Funds on Return On Equity (ROE) at PT Bank Rakyat Indonesia (Persero) Tbk Between 2012 and 2021

Authors

  • Andrean Mahesta University of Pamulang

DOI:

https://doi.org/10.55538/ifr.v2i2.18

Keywords:

Loan to Deposit Ratio, Third Party Funds, Return On Equity

Abstract

A bank is a financial institution that functions as an intermediary by receiving deposits of money from the judiciary community to channel it back to the community in the form of credit. This study aims to determine how much influence the Loan to Deposit Ratio (LDR) and Third Party Funds have on Return On Equity (ROE). This research was conducted at PT. Bank Rakyat Indonesia (Persero) Tbk for the period 2012-2021. The method of data collection in this study is by downloading financial statements on the PT. Bank Rakyat Indonesia. The data analysis method used in this study used normality test analysis and multiple linear regression analysis. The tests that have been carried out in this study provide results that the Loan to Deposit Ratio has no effect on Return On Equity while Third Party Funds have an effect on Return On Equity.

References

Fahmi, I. (2014). Analisis Kinerja Keuangan. Bandung : Alfabeta.

Ferawati. (2020). PENGARUH NON PERFORMING LOAN, LOAN TO DEPOSIT RATIO DAN DANA PIHAK KETIGA TERHADAP PROFITABILITAS PADA PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2015-2019. Jurnal Ilmiah Kohesi, 4(3), 298–308.

Harahap, S, S. (2016). Analisis Kritis atas Laporan Keuangan. Rajawali Pers: Jakarta.

Hasibuan, E., Theresya, H., & Gaol, L. F. L. (2021). Pengaruh Dana Pihak Ketiga, Biaya Operasional Pendapatan Operasional, dan Loan to Deposit Ratio Terhadap Profitabilitas Pada Perusahaan Perbankan yang Terdaftar di Bursa Efek Indonesia Periode 2016-2018. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 2(2), 194–199.

Hatiana, N., & Pratiwi, A. (2020). Pengaruh Dana Pihak ketiga dan Suku Bunga terhadap Profitabilitas pada PT. Bank Mega TBK. Owner: Riset Dan Jurnal Akuntansi, 4(2), 346–355.

Hery. (2015). Analisis Kinerja Manajemen. PT. Grasindo: Jakarta.

Hidayat, R., Lubis, F. R. A., & Salim, A. (2022). Analisis Rasio NIM, BOPO, NPL dan LDR terhadap ROA Bank Rakyat Indonesia Tahun 2009-2020. Jurnal Simki Economic, 5(1), 39–49.

Maroni, M., & Simamora, S. C. (2020). Pengaruh Npl, Ldr Dan Bopo Terhadap Roe Pada Pt. Bank Mandiri (Persero) Tbk Periode Tahun 2011-2019. Jurnal Inovatif Mahasiswa Manajemen, 1(1), 67–81.

Maulida, M., Nurodin, I., & Nugroho, G. W. (2022). Analisis Rasio Kecukupan Modal (CAR) Dan Loan To Deposit Ratio (LDR) Terhadap Return On Equity (ROE) Pada Perusahaan Perbankan Yang Terdaftar Di Indonesia Stock Exchange (IDX). COSTING: Journal of Economic, Business and Accounting, 5(2), 1007–1014.

Puspasari, D., Dewi, K. H., & Sopilah, P. (2020). PENGARUH DANA PIHAK KETIGA (DPK), LOAN TO DEPOSIT RATIO (LDR), NON PERFORMING LOAN (NPL) DAN RETURN ON ASSET (ROA) TERHADAP JUMLAH PENYALURAN KREDIT. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(3), 1556–1566.

Wahyuti, N., & Pratiwi, A. (2020). Pengaruh Loan To Deposit Ratio (LDR) dan Debt To Equity Ratio (DER) Terhadap Return On Equity (ROE) Pada Bank BNI Tbk. Jurnal Ekonomi Dan Bisnis Dharma Andalas, 22(2), 315–324.

Downloads

Published

2023-02-28 — Updated on 2023-02-28

Versions

How to Cite

Mahesta, A. (2023). The Effect of Loan To Deposit Ratio (LDR) and Third Party Funds on Return On Equity (ROE) at PT Bank Rakyat Indonesia (Persero) Tbk Between 2012 and 2021. Indonesian Financial Review, 2(2), 85–98. https://doi.org/10.55538/ifr.v2i2.18

Issue

Section

Articles