Tustin Darmawati Pengarang

Return on Assetsmerupakan rasio yang menunjukkan seberapa besar kontribusi aset dalam menciptakan laba bersih. Dengan kata lain, rasio ini digunakan untuk mengukur seberapa besar jumlah laba bersih yang akan dihasilkan dari setiap rupiah dana yang tertanam dalam total aset. Penelitian ini dilakukan untuk mengetahui (1) Pengaruh Biaya Operasional dan Pendapatan Operasionaldan Loan to Deposit Ratio terhadap Return on Assetssecara parsial pada PT. BPR Swadaya Anak Nagari periode 2014-2021.(2) Pengaruh Biaya Operasional dan Pendapatan Operasionaldan Loan to Deposit Ratio terhadap Return on Assetssecara simultan pada PT. BPR Swadaya Anak Nagari periode 2014-2021. Hasil penelitian ini menunjukan bahwa (1) Secara parsial variabel Biaya Operasional dan Pendapatan Operasionalberpengaruh negatif dan signifikan terhadap Return on Assets (2) Secara parsialLoan to Deposit Ratio berpengaruh positif dan signifikan terhadapReturn on Assets. (3) Secara simultan variabel Biaya Operasional dan Pendapatan Operasionaldan Loan to Deposit Ratio berpengaruh signifikan terhadap Return on Assets. Nilai koefisien determinasi (RSquare) sebesar 0,471. Dari nilai tersebut dapat dilakukan penafsiran bahwa Pengaruh Biaya Operasional dan Pendapatan Operasional(X1) danLoan to Deposit Ratio (X2) terhadap Return on Assets(Y) sebesar 47, 1%. Sedangkan sisanya sebesar 52,9% lagi dipengaruhi oleh faktor-faktor lain yang tidak diteliti dalam penelitian ini. Retun On Assets is a ratio that shows how big the contribution of assets in creating net income. In other words, this ratio is used to measure how much net profit will be generated from each rupiah of funds embedded in total assets. The results of this research showed (1) The effect of Operating Costs and Operating Income and the Loan To Deposit Ratio on the Return On Assets partially at PT.BPR Swadaya Anak Nagari period 2014-2021.(2) Effect of Opetarational Cost and Operating Income and Loan To Deposit Ratio on Return On Assets simultaneously at PT. BPR Swadaya Anak Nagari period 2014-2021. The results of this study indicate that (1) PartiallyOperating Cost and Operating Income have a negative and significant effect on Return On Assets (2) Partially Loan To Deposit Ratio has a positive and significant Effect On Return On Assets. (3) Simultaneously, the variable of Operational Cost and Operating Income and Loan To Deposit Ratio have a significant effect on Return On Assets. The value of the coefficient determination (R-Square) is 0,471. From this value, it can be interpreted that the effect of Operating Cost and Operating Income (X1) and Loan To Deposit Ratio (X2) on Return On Assets (Y) is 47, 1%. While the remaining 52,9% is influenced by other factors not examined in this study. Keywords : Operating Costs and Operating Income, Loan to Deposit Ratio, Return on Assets