Abstract
The purpose of this study is to determine the effect of Spread Rate of Interest Rate, NPL and BOPO on Profitability of Rural Banks in Denpasar period 2014-2016. This research uses non participant observation method with the sample used as many as 19 BPR in Denpasar City. Data analysis technique used multiple linear regression analysis. The results of this study show that partially positive Spread has no significant effect on Return On Assets (ROA) on BPR in Denpasar City 2014-2016. Non Performing Loan (NPL) has a significant negative effect on ROA in BPR in Denpasar City 2014-2016. Operational Costs to Operating Income (BOPO) have a significant negative effect on ROA in BPR in Denpasar City 2014-2016. The implications of this study the higher Spread ratio will increase the ROA of banking companies. While the NPL and BOPO the higher the ratio of these variables, then the ROA of banking companies will decrease, so to improve the ROA of banking companies have to press NPL and utilize existing sources and systems.
 Keywords: Interest Rate Spread, NPL, BOPO, Profitability.
Highlights
The purpose of this study is to determine the effect of Spread Rate of Interest Rate, Non Performing Loan (NPL) and Biaya Operasional terhadap Pendapatan Operasional (BOPO) on Profitability of Rural Banks in Denpasar period 2014-2016
The results of this study show that partially positive Spread has no significant effect on Return On Assets (ROA) on bank perkreditan rakyat (BPR) in Denpasar City 2014-2016
Analisis Pengaruh Car, Npl, Pdn, Nim,Bopo, Ldr, Dan Suku Bunga Sbi Terhadap Roa (Studi Pada Bank Devisa di Indonesia Perioda 2003-2007), Jurnal Manajemen UNDIP, 4 (2), 232-241
Summary
Pengujian deskriptif dilakukan dengan tujuan untuk mengetahui gambaran umum mengenai sampel penelitian. Statistik deskriptif memberikan gambaran tentang jumlah sampel pada penelitian, nilai minimum, nilai maksimum, nilai rata-rata (mean), dan standar deviasi dari masing-masing variabel. Berdasarkan Tabel 1 diketahui bahwa terdapat empat variabel penelitian yaitu, ROA, Spread Tingkat Suku Bunga, NPL, BOPO. Berdasarkan hasil pengujian statistik deskriptif diperoleh nilai Spread Tingkat Suku Bunga minimum adalah sebesar 16,00. BPR Legian, sedangkan nilai maksimum Spread Tingkat Suku Bunga sebesar 20,08 dimiliki oleh PT. Standar deviasi dari Spread Tingkat Suku Bunga adalah sebesar 1,23700 atau 123,700 persen. Hal ini berarti telah terjadi penyimpangan nilai NPL terhadap nilai rata-rata NPL sebesar 10,61448 atau 1061,448 persen. BPR Pande Artha Dewata, sedangkan nilai maksimum BOPO sebesar 163,45 dimiliki oleh PT. Hal ini berarti telah terjadi penyimpangan nilai BOPO terhadap nilai rata-rata BOPO sebesar 14,23186 atau 1423,186 persen. Hasil SPSS dari analisis regresi linier berganda dapat dilihat pada Tabel 2
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