Haryanto, Sugeng, Aristanto, Eko, Assih, Prihat, Aripin, Zaenal and Bachtiar, Yanuar (2021) Loan to deposit ratio, risiko kredit, net interest margin dan profitabilitas bank. AFRE Accounting and Financial Review, 4 (1). pp. 146-154. ISSN 2598-7771

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Abstract

This study aims to analyze the effect of loan to deposit ratio, credit risk on profitability and net interest margin as moderating variables. The research was conducted on the national banking industry. The research population is the banking industry that goes public on the Indonesia Stock Exchange. The sampling technique used was purposive sampling. The research period is 2017-2019 with a sample of 37 banks. The number of pairs of data analyzed was 111 data. The data analysis technique used moderated regression analysis (MRA), with Net Interest Margin as the moderating variable. The results showed that the
Loan to deposit ratio had an effect on profitability in a positive direction. Credit risk has a negative effect on bank profitability. Net interest margin is able to strengthen the relationship between loan to deposit ratio and credit risk with profitability.

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