Tujuan penelitian ini adalah menghasilkan fakta empiris yang dapat menjelaskan pengaruh capital adequacy ratio, non performing loan, dan net interest margin terhadap loan to deposit ratio. Hipotesis yang diajukan penelitian ini yaitu capital adequacy ratio berpengaruh positif terhadap loan to deposit ratio; non performing loan berpengaruh negatif terhadap loan to deposit ratio; dan net interest margin berpengaruh positif terhadap loan to deposit ratio. Penelitian ini menggunakan metode deskriptif dan metode verifikatif. Populasi penelitian yaitu Perbankan yang Terdaftar di BEI sebanyak 47 bank. Teknik pengambilan sampel melalui purposive sampling sehingga ditentukan sampel penelitian yaitu Perbankan yang Terdaftar di BEI sebanyak 43 bank. Teknik pengumpulan data yang digunakan adalah observasi tidak berpartisipasi, sedangkan teknik analisis data yang digunakan adalah analisis regresi data panel. Berdasarkan hasil penelitian diketahui capital adequacy ratio berpengaruh positif dan signifikan terhadap loan to deposit ratio; non performing loan berpengaruh negatif dan signifikan terhadap loan to deposit ratio; dan net interest margin berpengaruh positif dan signifikan terhadap loan to deposit ratio.

Kata Kunci: Capital Adequacy Ratio, Non Performing Loan, Net Interest Margin, dan Loan to Deposit Ratio.

The aim of this study wass to produce empirical facts that can explain the effect of capital adequacy ratio, non performing loan, and net interest margin on loan to deposit ratio. The hypotheses proposed by this study were capital adequacy ratio had a positive effect on loan to deposit ratio; non performing loan had a negative effect on loan to deposit ratio; and net interest margin had a positive effect on loan to deposit ratio. This research used descriptive method and verification method. The research population was the Banks Listed on the IDX as many as 47 banks. The sampling technique was through purposive sampling so that the research sample was determined, namely the Banks Listed on the IDX as many as 43 companies. The data collection technique used was non-participating observation, while the data analysis technique used was panel data regression analysis. Based on the results of the study, it can be seen that capital adequacy ratio had a positive and significant effect on loan to deposit ratio; non performing loan had a negative and significant effect on loan to deposit ratio; and net interest margin had a positive and significant effect on loan to deposit ratio.

Keywords: Capital Adequacy Ratio, Non Performing Loan, Net Interest Margin, and Loan to Deposit Ratio.