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Journal : Academia Open

Liquidity in People's Credit Banks: NPL and Operational Costs in Sidoarjo, Indonesia Isnaini; Nirwana, Nihlatul Qudus Sukma
Academia Open Vol 9 No 2 (2024): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.9.2024.2673

Abstract

This study aimed to investigate the effect of Non-Performing Loan and Operational Costs on the liquidity of conventional People's Credit Banks in Sidoarjo, Indonesia. The study used a quantitative research method with a multiple regression analysis processed using SPSS version 23. The sample consisted of 35 People's Credit Banks out of 59 registered in the Otoritas Jasa Keuangan during the 2020 period. The results showed that Non-Performing Loan and Operational Costs did not have a partial effect on liquidity, but they had a simultaneous effect on liquidity. Highlights: The study focuses on the impact of Non-Performing Loan and Operational Costs on liquidity in People's Credit Banks in Sidoarjo, Indonesia. Quantitative research method and multiple regression analysis using SPSS version 23 were employed for data analysis. Findings indicate a simultaneous effect of Non-Performing Loan and Operational Costs on liquidity in these banks. Keywords: Non-Performing Loan, Operational Costs, Liquidity, People's Credit Banks, Indonesia
Co-Authors Aini, Siti Nuraini Akhsanul Amru Alfi Yasmina Ananta, Dio Alif Andini, Sari Anthony Hermawan Apriani, Laili Arfiana, Luthfika Ariady, Nabilla Azzahra Asnawati Aswin Asyura DM, Baiq Dewi Azwar, Wahyu Baiq Martina Safitri Bariroh, Rusydah Beby Suryani Fithri Candra Dedi Hariyanto Denny Anata Kusuma Derlin, Ellanda Permata Desi Aramana Dianysah, Gusti Emmy Yuanita Fahdyanoor Fahmi, Yafi FAUZIYAH Fitri Agustriani Fitria Purnamawati Fujiati Garba, Malami Muhammad Gita Rahmadhani Habibul Akram Halimatussakdiah Halisah Suriani Harahap, Latifah Angraini Heron Surbakti I Gede Esha Adyana Nando Ibrahim Ika Silvitasari Irma Setiawan, Irma Irmanjaya Thaher Iswari, S. Salini Khotimah, Nadila Nur Kuswoyo, Indra Laili Dwi Annisa Lia Yulia Budiarti Lulu' Anwariyah Luthfika Arfiana Maria Ulfa Mayasari, Deviana Melki Mohamed Saniff , Shereeza Morian Saspriatnadi Muallifah Anugrah Muhammad Haris Effendi Hasibuan Muhammad Nizaar Muhammad Zaki Alhannani Murojatul Aslamiah Ni Wayan Sri Suliartini Nihlatul Qudus Sukma Nirwana Nugraha, Nurzahwa Dwita Nur Ali Yasin Nurhayati Nurmalitasari, Dewi Nurrul Helen Nursafiah, Nursafiah Nurwijayanti Nurzahida, Gusti Nadya Nurzahwa Dwita Nugraha Oriana Paramita Dewi Panggabean, Denny Boy Pomeistia, Meilynda Popi Ulandari Raflika, Lili Rahayu, Lale Budi Hutami Rahayu, Supiani Rahmadhani, Gita Rahmat, Syamsul Ramses Redho Yoga Nugroho Rika Aswarita Riris Aryawati Riyani, Risma Yulfa Robinson Sitepu Romi Ferdian Romundza, Febbry Rozirwan . Saddam Salsabilah, Raisyah Sari Harahap , Ulfa Hayana Sariningsih, Baiq Nila Siregar , Fikri Hamdi Sri Rahmadani Sudirman Suhaidi Surbakti , Heron Syafruddin Ritonga T. Zia Ulqodry Tampubolon, Siti Rohani Taqiyah, Zumrotut Tri Dharmayani, Ni Komang Tusshaleha, Lelie Amalia wahyuni maharani Wahyuni, Indriwati Wenggedes Frensh Wike Ayu Eka Putri Winata, Aliahardi Yanti Sri Wahyuni Yuliani, Rahma Yusni Ikhwan Siregar ‘Ibaadurrahmaan, Khansa Khafiya