PENGARUH LOAN TO DEPOSIT RATIO (LDR) TERHADAP BESARNYA TINGKAT PENDAPATAN BUNGA BERSIH BANK JABAR CABANG SUBANG

Deregulation in field of banking has brought a great influences to the

development of bank operational with various impact, such as competition between

banks and decrease in profit margin. Such competition has forced bank to be a market

orientation by give a top priority to the efficiency and professionalism principles. To be

up against this competition, bank management strategic are more needed, those are to

integrate a planning of the main factor whose influences the optimal margin with

minimum risk degree and not disturb banks liquidity and healthy.

The purpose of research is for find out how make and to analysis development

loan to deposit ratio (LDR) and net interest income of bank in Bank Jabar, and

influence loan to deposit ratio (LDR) to the sum of net interest income of bank.

Research method in this script is survey with research descriptive type. Beside

that, writer using the coefficient determination calculation and hypothesis test (t-test)

with rate of signification 0,05 or 5%.

Based on such reference above, the author present a first hypothesis : “ there

have a significant influence of Loan To Deposit Ratio (LDR) to the sum of net interest

income of bank ”. This hypothesis is tested by t-test to determine is there any or not a

significant influence between Loan To Deposit Ratio (LDR) to net interest income bank.

With t-table 3,183 to get t-sum 0,659. Based on that sum so we can know that t-sum <

t-table. So Ho accepted and H1 pushed, which mean that Loan To Deposit Ratio (LDR)

not influence to the sum of net interest income of Bank Jabar Branch Subang is low.