PENGARUH LOAN TO DEPOSIT RATIO, NON PERFORMING LOAN DAN BEBAN OPERASIONAL PENDAPATAN OPERASIONAL TERHADAP NILAI PERUSAHAAN PADA PT BANK RAKYAT INDONESIA (PERSERO) TBK PERIODE 2015-2024

Abstract

The purpose of this study is to determine the effect of Loan to Deposit Ratio, Non-Performing Loan and Operating Expenses Operating Income on Company Value at PT Bank Rakyat Indonesia (Persero) Tbk Period 2015-2024. The method used is quantitative. The sampling technique uses saturated sampling and obtained a sample of 10, namely the financial statements of PT Bank Rakyat Indonesia (Persero) Tbk Period 2015-2024. Data analysis uses descriptive analysis, classical assumption test, regression analysis, correlation coefficient, determination coefficient and hypothesis test. The population in this study is financial statements in the form of a panel totaling 10 years. Data collection methods are observation, documentation and literature study. The results of this study are that the Loan to Deposit Ratio has a significant negative effect on Company Value with the hypothesis test obtained t count > t table or (-3.755 > 2.447). Non-Performing Loans do not have a significant effect on Company Value with the hypothesis test obtained t count < t table or (1.568 < 2.447). Operating Expenses Operating Income has a significant negative effect on Company Value with the hypothesis test obtained t count > t table or (-2.886 > 2.447). Loan to Deposit Ratio, Non-Performing Loans and Operating Expenses Operating Income simultaneously have a significant effect on Company Value with the regression equation Y = 85.138 - 0.019X1 + 0.240X2 - 0.074X3, the coefficient of determination value is 57.8% while the remaining 42.2% is influenced by other factors. The hypothesis test obtained the calculated F value > F table or (5.106 > 4.757).