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Journal : JURNAL ILMIAH GLOBAL EDUCATION

Pengaruh Capital Adequacy Ratio, Return on Assets, Loan to Deposit Rasio dan Biaya Operational Pendapatan Operational Terhadap Non-Performing Loan pada Bank Konvensional Prayuningsih, I Gusti Ayu; Yudiaatmaja, Fridayana; Suci, Ni Made
Jurnal Ilmiah Global Education Vol. 5 No. 1 (2024): JURNAL ILMIAH GLOBAL EDUCATION, Volume 5 Nomor 1, Maret 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v5i1.2355

Abstract

In the process of providing credit, banks are faced with the risk of bad debts, where the borrower is unable or unwilling to repay the loan that has been granted. This risk can be caused by economic factors such as slowing growth, market instability, or a financial crisis. In addition, internal factors such as imprudent credit policies, poor risk management, or the bank's inability to conduct effective monitoring can also contribute to bad debt risk. This study aims to analyze the effect of capital adequacy ratio, return on assets, loan-to-deposit ratio and operating expenses on non-performing loans in conventional banks. The type of research used is quantitative with a cross-sectional approach. The number of conventional banks sampled was 20, with an observation period of 2021–2022, using quarterly data. The data analysis technique uses multiple linear regression analysis using three alternative regression models, namely the common effect model (CEM), fixed effect model (FEM), and random effect model (REM). The application used for testing is e-Views 12.  Hypothesis testing is done with the t test. The results showed that the final model chosen was the REM) The panel data regression model on the percentage of NPL data estimated with the REM is shown in the equation. NPL = 1.139 - 0.028*CAR - 0.002*ROA + 0.012*LDR + 0.018*BOPO. CAR variables have a negative and significant effect on NPL; ROA has a negative and significant effect on NPL; and LDR has a positive and significant effect on NPL. BOPO has a negative and significant effect on NPL.
Co-Authors AA. Ngurah Yudha Martin Mahardika Adiwantari, Sartika Ayu Anak Agung Istri Sri Wiadnyani Ananda jaya Ananda, Sienny Yulia Aprillia, Kadek Lia Arief Billah Cantika, Kadek Gayatri Dwi Cheltis Charles Kehek Darmendra, I Made Risci Dewi, Ni Kadek Puspa Dewi, Ni Nyoman Tri Utami Edy Sujana Fridayana Yudiaatmaja Fridayana Yudiatmaja Gusti Agung Ayu Intan Pradnyani Handayani, Komang Ayu Widiada Heryanda, Komang Krisna I GB Wahyu Nugraha Putra I Gede Dana I GEDE DANA I Gede Prabaskara Ary Karang I Gusti Agung Ayu Meilyani I Made Sura Ananda I Nengah Suarmanayasa I Nyoman Putra Yasa I Wayan Bagia I Wayan Rona Indrawati, Lily Kadek Ary Asta Pramita Sari kadek cintya dewi Kadek Dera Yanti Kadek Gayatri Dwi Cantika Kadek marsela Kadek Medha Prayascita Kadek Santi Rahayu Kadek Surya Darmawan Kehek, Cheltis Charles Komang Intan Cahyani Devi Komang Krisna Heryanda Komang Tri Wibawa Mahardika Kusumayani, Putu Eka Lily Indrawati Luh Putu Ratna Sundari Lutfi, Aden Winangun Mahardika, Komang Tri Wibawa Meilyani, I Gusti Agung Ayu Meliani, Ni Kadek Ni Kadek Sinarwati Ni luh Sayang Telagawathi Ni Luh Wayan Sayang Telagawathi Ni Made Amanda Dewantini Ni Made Ary Widiastini Ni Nyoman Deni Ariyaningsih Ni Putu Arix Nirmala Ni Putu Juni Asmariati Ni Putu Meilani Dithania Nur Ayu, Luh Nyoman Fajar Nyoman Ayu Wulan Trisna Dewi . Nyoman Dini Andiani Padmi, Putu Ayu Julia Pamungkas, Ringga Putra Parwati, Ni Wayan Citra Permatasari, Komang Intan Pradnyani, Gusti Agung Ayu Intan Prameswari, Ni Luh Desianty Ayu Prayuningsih, I Gusti Ayu Putri, Cerry Putri, Ida Ayu Melda Anita Putu Agus Suma Astawa Putu Ayu Juniari Putu Ayu Lalita Srivisakha Putu Indah Rahmawati Putu Putri Indah Sriani Putu Rika Rahutama Atidira Rike Setiawati Rona, I Wayan Rosita Dewi Rudi Gunawan Safira, Siti Sartika Ayu Adiwantari Shania Yosiana Sherren Sanchia Tanaya Sinarwati, Kadek Siti Safira Sugara, Robi Suningsih, Ni Kadek Sri Tanaya, Sherren Sanchia Telagawathi, Ni Luh Sayang Trianasari Wayan Agus Parta Sumarta Wayan Cipta Wayan Eka Puspita Sari Wijaya, Gede Ermawan Yastiti, Ni Made Juni Yudiatmaja, Fridayana Yulianthini, Ni Made