PENGARUH NON PERFORMING LOAN (NPL), LOAN TO DEPOSIT RATIO (LDR), BIAYA OPERASIONAL PENDAPATAN OPERASIONAL (BOPO), SPREAD MANAGEMENT DAN TINGKAT SUKU BUNGA TERHADAP PROFITABILITAS PADA LPD DI KOTA DENPASAR PERIODE 2008-2013

Abstract

LPD is the Village Of Institution which is corporately owned financial village
carry out business activities in the surroundings of the village and to the village of
manners. Every business entity including LPD in its efforts certainly wantsome
profit. This research aims is to know the influence of the Non-Performing Loan
(NPL), Loan to Deposit Ratio (LDR), BOPO, Spread Management and interest
rates to the profitability. The population of this research is the whole LPD in
Denpasar. The sample determined using purposive sampling technique with the
total sample as much as 186. Analytical techniques used were multiple linear
regression analysis. Based on the results of the analysis, it can be noted that the
Non-Performing Loan (NPL) and operating costs operating income (BOPO)
statistically negative effect to the profitability of LPD in Denpasar city period
2008-2013, variable Loan to Deposit Ratio (LDR) and Spread Management
statistically has no effect to the profitability of LPD in Denpasar city period 2008-
2013, whereas the variable interest rate positive effect statistically to the
profitability of LPD in Denpasar the period 2008-2013.

Keywords: NPL, LDR, BOPO, Spread Management, Interest Rates and
Profitability.