ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh Loan to Deposit Ratio (LDR) dan Biaya Operasional terhadap Pendapatan Operasional (BOPO) terhadap profitabilitas pada Bank BTN. Data yang digunakan diambil dari laporan keuangan Bank BTN periode 2009-2017. Metode yang digunakan adalah metode deskriptif kuantitatif dan teknik analisis data menggunakan regresi linier berganda. Pengolahan data dalam penelitian ini menggunakan program Software IBM SPSS (Statistical Package for the Social Sciences) versi 23. Hasil penelitian ini menunjukkan bahwa model regresi penelitian ini telah memenuhi uji asumsi klasik secara keseluruhan, yang berarti bahwa data berdistribusi normal dan bebas dari gejala multikolinieritas, heteroskedastisitas, autokorelasi. Analisis regresi berganda menunjukkan bahwa variabel LDR berpengaruh positif dan tidak signifikan terhadap ROA, variabel BOPO berpengaruh negatif dan signifikan terhadap ROA. Secara simultan LDR dan BOPO memiliki pengaruh signifikan terhadap ROA pada Bank BTN periode 2009 – 2017. Kata Kunci: Loan to Deposit Ratio (LDR), Biaya Operasional Pendapatan Operasional (BOPO), Return On Assets (ROA)

ABSTRACT This study aims to examine the effect of Loan to Deposit Ratio (LDR) and Operating Expenses to Operating Revenue (BOPO) on profitability at Bank BTN. The data used is taken from the financial statements of Bank BTN period 2009-2017. The method used is quantitative descriptive method and data analysis technique using multiple linear regression. Data processing in this study used the software program of IBM SPSS (Statistical Package for the Social Sciences) version 23. The results of this study indicate that the regression model of this study has met the classical assumption test as a whole, which means that the data is normally distributed and free from symptoms of multicollinearity, heteroscedasticity, autocorrelation. Multiple regression analysis showed that LDR variable had positive and not significant effect to ROA, BOPO variable had negative and significant effect to ROA. Simultaneously LDR and BOPO have significant influence on ROA at Bank BTN period 2009-2017. Keywords : Loan to Deposit Ratio, The Comparison of Operating Expenses to Operating Revenues, and Return On Asset.

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