Rizka Ulama, Analisis Pengaruh Interest Rate Risk, Non Performing Loan, Loan To Assets Ratio Terhadap Loan To Deposit Ratio Pada Bank Umum Swasta Nasional (Devisa) yang terdaftar di BEI periode 2011-2015. Dibawah bimbingan Dr. Choirul Anam, Drs. Ec., M.Kes dan Drs. Ec. Bambang Sudarsono, MM. Tujuan penelitian ini yaitu untuk mengetahui adanya pengaruh Interest Rate Risk, Non Performing Loan, Loan To Assets Ratio baik secara parsial maupun secara simultan terhadap Loan To Deposit Ratio Pada Bank Umum Swasta Nasional (Devisa) yang terdaftar di BEI periode 2011-2015. Pendekatan penelitian yang digunakan dalam penelitian ini adalah deskriptif dan kuantitatif. Pengambilan sampel menggunakan metode purposive sampling dan diperoleh sampel sebanyak 17 Perusahaan. Teknik analisis data yang digunakan adalah analisis regresi linier berganda. Hasil analisis deskriptif menunjukkan bahwa tingkat kesehatannya paling tinggi yaitu Bank Permata Tbk dan Bank OCBC NISP Tbk dan Bank yang memiliki tingkat kesehatannya paling rendah adalah Bank Central Asia Tbk dan Bank Mega Tbk. Hasil uji t menunjukkan bahwa variabel bahwa variabel IRR dan LAR berpengaruh positif dan signifikan terhadap LDR, sedangkan variabel NPL tidak berpengaruh signifikan. Hasil uji f menunjukkan bahwa variabel IRR, NPL, IRR berpengaruh signifikan terhadap LDR. Kemampuan prediksi dari ketiga variabel independen terhadap LDR adalah sebesar 64.7% yang ditunjukan dari besarnya R square, sisanya 35,3% dijelaskan oleh variabel lainnya diluar model penelitian ini. Kata kunci: Tingkat Kesehatan, Interest Rate Risk (IRR), Non Performing Loan (NPL), Loan To Assets Ratio (LAR), dan Loan To Deposit Ratio (LDR)

Rizka Ulama, Analiysis of Interest Rate Risk (IRR), Non Performing Loan (NPL), Loan to Assets Ratio of the Loan To Deposit Ratio at Study In general commercial national banking (DEVISA) On Indonesia Stock Exhange (BEI) Period 2011-2015. Advisors Dr. Choirul Anam, Drs. Ec., M.Kes and Drs. Bambang Sudarsono, MM. The purpose of this study is to influence, either partially or simultaneously of Interest Rate Risk (IRR) , Non Performing Loan (NPL), Loan To Assets Ratio (LAR) to the Loan To Deposit Ratio (LDR) general commercial national banking (DEVISA) On Indonesia Stock Exhange (BEI) Period 2011-2015 and also was used to know the powerfulness among bank which listed In Inonesia Stock Exhange (BEI). The study applies Quatitative and descriptive method. The sam[le are taken purposively as many as 17 companies. Analysis technique used is multiple linear regression analysis. Descriptive result showed that the most powerfull bank is include Bank Permata Tbk and Bank OCBC NISP Tbk and the lowest powerfull bank is Bank Central Asia Tbk and Bank Mega Tbk. The result of t test shows that IRR and BOPO variabels has a positive and significant influence to LDR, also NPL variable has uninfluenced significant to LDR. The result of F test shows that variabel of IRR, NPL, LAR and LDR has significant influence to LDR. Predictive ability of the three independent variable to LDR is 64.7% and it shown by R square value, the rest 35,3 % influenced by other variables outside the model. Keywords: Banks, Interest Rate Risk (IRR), Non Performing Loan (NPL), Loan to Assets Ratio (LAR), and The Loan to Deposit Ratio (LDR)

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