PENGARUH NPL DAN LDR TERHADAP PROFITABILITAS DENGAN CAR SEBAGAI VARIABEL MEDIASI PADA LPD KOTA DENPASAR

Abstract

The purpose of this study was to analyze the effect of NPL and LDR on CAR, as well as to analyze the effect of NPL, LDR, and CAR on profitability at LPDs in Denpasar City. The population used is LPD in Denpasar City as many as 35 LPDs. The method of determining samples using purposive sampling method is the determination of samples with criteria, namely LPD throughout Denpasar City which is still active, so that the sample of the study is 33 LPDs. Data analysis techniques used to examine how the influence of NPL and LDR on profitability with CAR as a mediating variable are path analysis techniques. Before analyzing the pathway, the first classical assumption is tested, namely normality, multicollinearity, heteroscedasticity, and autocorrelation. The results of the analysis in this study indicate that NPL does not have a significant effect on the CAR, LDR has a negative and significant effect on the CAR, NPL has a negative and significant effect on profitability, LDR and CAR has a positive and significant effect on the profitability of LPD in Denpasar City. Keywords: NPL, LDR, CAR, Profitability