<![CDATA[Abstract: The results of the research and discussion described in the previous chapter, the following are the conclusions of the research results obtained: Simultaneously, the results of this regression test obtained a significant value of 0.001 <0.05, while the Ftable was 2.58, so the calculated F> Ftable (8.766> 2.58) from these results it can be concluded that simultaneously the Current Ratio (CR), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR) simultaneously influence Return on Assets (ROA) and H0 is rejected H1 is accepted. Partially, the significant value of the Current Ratio is 0.549> 0.05, the calculated t value (-0.606) <ttable (- 2.03693). This means that partially the Current Ratio variable has a negative and insignificant effect on Return on Assets and based on the comparison between the calculated ttable and ttable it can be concluded that H0 is rejected H2 is accepted. Partially, it is known that the results of the data testing of the Operating Expenses to Operating Income variable have a significance of 0.004 <0.05 with a calculated t value of 3.146> t table of 2.03693. This means that the Operating Expenses to Operating Income variable partially has a positive and significant effect on Return On Assets, so the decision is that H0 is rejected and H2 is accepted. Partially, it is known that the Loan To Deposit Ratio has a significant value of 0.025 <0.05 with a calculated t value of (- 2.347) <t table (-2.03693). Partially, the Loan To Deposit Ratio variable has a negative and significant effect on Return On Assets and based on the comparison between t count and t table, it can be concluded that H0 is rejected and H2 is accepted. The Adjusted R Square value, or coefficient of determination, is 0.350. This means that 35% of the variation or change in Return on Assets is explained by variations in the Current Ratio, Debt to Equity Ratio, and Loan to Deposit Ratio, while 65% is explained by other factors not included in this research model. Keywords: Current Ratio, Operating Expenses to Operating Income, and Loan to Deposit Ratio Profitability Abstrak: Hasil penelitian dan pembahasan yang telah diuraikan pada bab sebelumnya, berikut ini adalah kesimpulan hasil penelitian yang diperoleh: Secara parsial bahwa nilai signifikan Current Ratio sebesar 0,549 > 0,05 nilai thitung (-0,606) < ttabel (-2,03693). Hal ini berarti secara parsial variabel Current Ratio berpengaruh negatif dan tidak signifikan terhadap Return On Asset dan berdasarkan perbandingan antara thitung dan ttabel dapat ditarik kesimpulan bahwa H0 ditolak H2 diterima. Secara parsial diketahui hasil pengujian data variabel Beban Operasional Terhadap Pendapatan Operasional mempunyai signifikan sebesar 0,004 < 0,05 nilai thitung 3,146 > ttabel 2,03693. Hal ini berarti bahwa variabel Beban Operasional Terhadap Pendapatan Operasional secara parsial berpengaruh positif dan sigifikan terhadap Return On Assets, maka keputusan nya bahwa H0 ditolak H2 diterima. Secara parsial diketahui bahwa Loan To Deposit Ratio dengan nilai signifikan sebesar 0,025 < 0,05 dengan nilai thitung (-2,347) < ttabel (-2,03693). Secara parsial variabel Loan To Deposit Ratio berpengaruh negatif dan signifikan terhadap Return On Assets dan berdasarkan perbandingan antara thitung dan ttabel dapat ditarik kesimpulan bahwa H0 ditolak H2 diterima. Secara simultan bahwa hasil uji regresi ini di dapat nilai signifikan sebesar 0,001 < 0,05, sedangkan Ftabel sebesar 2,58 maka diperoleh Fhitung > Ftabel (8.766 > 2.58) dari hasil tersebut dapat ditarik kesimpulan bahwa secara simultan Current Ratio (CR), Beban Operasional Terhadap Pendapatan Operasional (BOPO), dan Loan To Deposit Ratio (LDR) berpengaruh secara serempak terhadap Return On Assets (ROA) dan H0 ditolak H1 diterima. Nilai Adjusted R Square atau koefisien determinasi adalah 0,350, hal hal ini berarti 35% variasi atau perubahan dalam Return On Asset dijelaskan oleh variasi Dari Current Ratio, Debt To Equity Ratio, dan Loan To Deposit Ratio sedangkan 65% dijelaskan oleh sebab-sebab lain yang tidak dimasukkan dalam model penelitian ini. Kata Kunci: Current Ratio, Beban Operasional, Pendapatan Operasional, Loan To Deposit Ratio dan Profitabilitas]]>
