PENGARUH NET INTEREST MARGIN (NIM), BIAYA DANA BANK DAN NON PERFORMING LOAN (NPL) TERHADAP LOAN TO DEPOSIT RATIO (LDR)(Studi Pada Bank Umum Swasta Nasional Devisa Yang Terdaftar Di Bursa Efek Indonesia (BEI) Periode 2010-2014)

The study was conducted to examine the effect of Net Interest Margin (NIM), Cost Of Funds and Non Performing Loan (NPL) to the Loan to Deposit Ratio (LDR). The study object is the National Private Bank (BUSN) Foreign exchange using the published financial statements 2010-2014.
Data analysis technique used is multiple linear regression with least squares equation and test hypotheses using t-statistic for testing the partial regression coefficients and F-statistics to test the effect together with a significance level of 5%. It also tested the classical assumptions that included tests of normality, multicollinearity test, test of heteroscedasticity and autocorrelation test. During the observation period of the study indicate that the data are normally distributed. Based on the test for normality, multicollinearity test, test heteroscedasticity and autocorrelation test found no variables that deviate from the classical assumptions. This shows the available data has been qualified using multiple linear regression equation model.

These results indicate that Net Interest Margin (NIM) variables have a significant positive effect on the Loan to Deposit Ratio (LDR), Cost Of Funds variables don’t show a significant effect on the Loan to Deposit Ratio (LDR) and Non Performing Loan (NPL) has no effect significantly on the Loan to Deposit Ratio (LDR). Predictive ability of four variables to Loan to Deposit Ratio (LDR) in this study of 31,5 while the remaining 68,5% be affected by other factors not included in the research model.

Keywords: Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Cost Of Funds and Non-Performing Loans (NPL).