The Effect of Loan to Deposit Ratio and Capital Adequacy Ratio on Profitability at PT Bank Tabungan Negara, Tbk in Makassar

This study explains the effect of the Loan to Deposit Ratio and the Capital Adequacy Ratio on Profitability (Return on Asset) at PT Bank Tabungan Negara (Persero) Tbk KC Makassar. This study uses a multiple linear regression analysis model using the SPSS. The results showed a multiple regression equation where Y = -0.074 + 0.009 X1 + 0.049 X2 and based on the partial test (t test) The significant value for the effect of the Loan to Deposit Ratio (X1) on Return on Assets (Y) is 0.063greater than 0.05 and t value 2.017greater than t table 1.753, so it can be concluded that the hypothesis is accepted, which means there is a positive but insignificant influence between the Loan to Deposit Ratio on the Return On Asset (Y) variable. As for the effect of the Capital Adequacy Ratio (X2) on Return on Assets (Y) is 0.120greater than 0.05 and the t value is 1.656 less thant table 1.753, so it can be concluded that the hypothesis is rejected, which means there is no significant influence between Loan Capital. Adequacy Ratio to the Return On Asset (Y) variable. Hypothesis testing concludes that the Loan to Deposit Ratio and the Capital Adequacy Ratio together have a significant effect on Return on Assets. This can be proven by knowing the significant value of 0.004 less than0.05 and the value F count 8, 507greater than F table 3, 74.