pengaruh capital adequacy ratio, non-performing loan ratio dan loan to deposit ratio terhadap profitabilitas dengan pertumbuhan dana pihak ketiga sebagai variabel moderating
P enelitian ini bertujuan membahas mengenai pengaruh Pengaruh Capital Adequacy Ratio, Non-Performing Loan Ratio dan Loan To Deposit Ratio Terhadap Profitabilitas dengan pertumbuhan dana pihak ketiga sebagai variabel moderasi pada perusahaan perbankan yang terdaftar di Bursa Efek Indonesia dari tahun 2013 hingga tahun 2016. Teknik pengumpulan data yang digunakan adalah purposive sampling, sehingga dari 168 populasi, terpilih 120 sampel yang akan dijadikan bahan penelitian. Data diperoleh dengan cara menganalisis laporan keuangan tahunan perusahaan yang telah diaudit. Metode yang digunakan adalah regresi linier berganda untuk menganalisis pengaruh Capital Adequacy Ratio, Non-Performing Loan Ratio Dan Loan To Deposit Ratio Terhadap Profitabilitas dengan pertumbuhan dana pihak ketiga sebagai variabel moderasi. Hasil penelitian menunjukan bahwa Capital Adequacy Ratio berpengaruh positif terhadap profitabilitas, Non-Performing Loan Ratio berpengaruh negatif terhadap profitabilitas, Dan Loan To Deposit Ratio tidak berpengaruh signifikan terhadap profitabilitas. Untuk variabel moderasi : Pertumbuhan dana pihak ketiga memperlemah pengaruh positif Capital Adequacy Ratio terhadap profitabilitas, memperlemah pengaruh negatif Non-Performing Loan Ratio terhadap profitabilitas, dan memperlemah pengaruh positif Loan To Deposit Ratio Terhadap Profitabilitas.
T he purpose of this study is to examine the influence of Capital Adequacy Ratio, Non Performing Loan, and Loan to Deposit Ratio to profitability that proxied by Return on Asset and test the moderating influence of the growth of Third Party’s Fund. The object of the study is banking company that listed in Indonesia Stock Exchange during the period of 2013-2016. At this research, writer use purposive sampling to gather and sorting data. From 168 population, writer choose 120 sample that will be used as the study object. Data gathered with analyzed the company audited financial statement. Writer use multiple linear regression to analyzed the influence of Capital Adequacy Ratio, Non-Performing Loan Ratio and Loan To Deposit Ratio Ratio to profitability that proxied by Return on Asset and test the moderating influence of the growth of Third Party’s Fund. The result of this study showed that Capital Adequacy Ratio has positive influence in predicting profitability, Non-Performing Loan Ratio has negative influence in predicting profitability, and Loan To Deposit Ratio Ratio has no significance influence in predicting profitability. For the moderating variable, the growth of third party’s fund weaken the positive influence of Capital Adequacy ratio to profitability, weaken negative influence of Non-Performing Loan to profitability, and weaken the positive impact of Loan to Deposit Ratio to profitability,