The Effect Of Loan To Deposit Ratio And Debt Equity Ration On Return On Equity (Empirical Study At Bank Rakyat Indonesia (Persero), Tbk Period 2009 – 2019)
Abstract
This study aims to determine the effect of Loan to Deposit Ratio (LDR), and Debt to Equity Ratio (DER) on Return to Equity Ratio (ROE) at Bank Rakyat Indonesia (Persero), TBK. The research method used is a quantitative method with a descriptive approach, namely analyzing financial statements and the data technique used is secondary data. This study uses a summary of financial report data from 2009 to 2019 at Bank Rakyat Indonesia (Persero), Tbk. the method used is multiple linear regression. And statistical data processing using SPSS version 22 software. The results showed that LDR had a negative and significant effect on ROE partially. This can be seen from the value of tcount -2.400 > ttable 2.364 with a significance value of 0.043 <0.05. DER has no significant positive effect on ROE partially. This can be seen from tcount 1.316 < ttable 2.364 with a significance value of 0.225 > 0.05. Simultaneously obtained Fcount 15,419 > Ftable 4.46 with a significance value of 0.002 <0.05, which means that LDR and DER have a significant effect on ROE simultaneously. The equation of the results of linear regression analysis Y = 71.008-0.675 (LDR) +0.011 (DER) + e. And the coefficient of determination is 0.794. This value explains that the effect of LDR, DER has an effect of 74.9% on ROE while 20.4% is influenced by other variables.
Keywords: loan-to-deposit ratio (LDR), debt-to-equity ratio (DER) and return to equity ratio (ROE)
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