PENGARUH LDR, NPL, DAN BOPO TERHADAP PROFITABILITAS PADA LPD DI KABUPATEN GIANYAR
The purpose of this study is to explain the effect of Loan to Deposit Ratio, Non Performing Loans, and Operational Costs Operating Income on Profitability. This research was conducted at the Village Credit Institutions in Gianyar Regency in 2018. The number of samples used was 243 LPD, with saturated sampling method. Data collection method used is nonparticipant observation method, which is through observations made on LPD financial statement data publication documents. The type of data is quantitative data. The data source used is secondary data obtained from the Village Credit Empowerment Institute (LPLPD) of Gianyar Regency. The analysis technique used is multiple linear regression analysis techniques. The results of this study prove that the Loan to Deposit Ratio does not significantly influence profitability, Non Performing Loans and Operational Costs Operating Income has a negative and significant effect on the profitability of LPDs in Gianyar Regency. Keywords: loan to deposit ratio, non-performing loans, operational costs operating income, profitability