ANALISIS CASH RATIO, NON PERFOMING LOAN, LOAN TO DEPOSIT RATIO TERHADAP PROFITABILITAS PADA BANK PERKREDITAN RAKYAT DI KOTA BATAM

Abstract

This study aims to analyze the effect of cash ratios, non-performing loans, loan to deposit ratios on profitability at Rural Banks in Batam City. This study uses a descriptive and quantitative statistical approach with a population of BPRs located in Batam City and the sample in this study totaling 21 banks selected using a purposive sampling technique and using a questionnaire as a data collection instrument. From the analysis of the data, the results show that the cash ratio has an effect on return on assets with t count (3.642) > t table (1.659), non-performing loans have an effect on return on assets with t count (3.111) > t table (1.659) and the deposit ratio has an effect on return on assets with t count (1.779) > t table (1.659). Simultaneously the results of the F test cash ratio, non-performing loan and deposit ratio affect return on assets with a calculated F value (7.570) > F table 2.69).
Keywords: Cash Ratio; Loan to Deposit Ratio; Non Performing Loan; Profitabilitas.