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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 Adi Wibowo Aini, Siti Nuraini Akhsanul Amru Akobiarek, Maik Alfi Yasmina Amalia, Rahma 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 Dewi Khodijah, Dewi Dianysah, Gusti Dwi Widyastuti Emmy Yuanita Fahdyanoor Fahmi, Yafi Fajriah, Rahmatul FAUZIYAH Fitri Agustriani Fitria Purnamawati Fujiati Garba, Malami Muhammad Gita Rahmadhani Habibul Akram Halimatussakdiah Halisah Suriani Harahap, Latifah Angraini Heron Surbakti Hidayatul Munawwarah S I Gede Esha Adyana Nando Ibrahim Ika Silvitasari Ikhlasul Amal Irma Setiawan, Irma Irmanjaya Thaher Iswari, S. Salini Kartika Setia Purdani Khotimah, Nadila Nur Kuswoyo, Indra Laili Dwi Annisa Lia Yulia Budiarti Lulu' Anwariyah Luthfika Arfiana M Bachtiar Safrudin M. Robert Farmadi Maria Ulfa Mayasari, Deviana Melki Mellia Anata Tasya Mohamed Saniff , Shereeza Mohd Asri bin Yunus Morian Saspriatnadi Muallifah Anugrah Muhammad Haris Effendi Hasibuan Muhammad Hendri Muhammad Nizaar Muhammad Zaki Alhannani Murojatul Aslamiah Nabila Naimah, Jainatun Ni Wayan Sri Suliartini Nihlatul Qudus Sukma Nirwana Nugraha, Nurzahwa Dwita Nur Ali Yasin Nur Azzahra Atika Nurbaya Nurhayati Nurhidayah Nurmalitasari, Dewi Nurrul Helen Nursafiah, Nursafiah Nursela Nurwijayanti Nurzahida, Gusti Nadya Nurzahwa Dwita Nugraha Oriana Paramita Dewi Panggabean, Denny Boy Pomeistia, Meilynda Popi Ulandari Purwiyanto, Anna Putri Roka Ismail Raflika, Lili Rahayu, Lale Budi Hutami Rahayu, Supiani Rahmadhani, Gita Rahmat, Syamsul Ramses Redho Yoga Nugroho Rika Aswarita Riris Aryawati Riyani, Risma Yulfa Romi Ferdian Romundza, Febbry Rozirwan . Saddam Sari Harahap , Ulfa Hayana Sariningsih, Baiq Nila Sesilia Novitry Tafonao Sevia Diva Ardiansyah Siregar , Fikri Hamdi Sri Rahmadani Sudirman Suhaidi Surbakti , Heron Syafruddin Ritonga T. Zia Ulqodry T. Zia Ulqodry Tampubolon, Siti Rohani Taqiyah, Zumrotut Tri Dharmayani, Ni Komang Tri Wahyu Sapittri Syam Tusshaleha, Lelie Amalia Ulqodry, T. Utami, Risnita Vanessa Pricila Takwin wahyuni maharani Wahyuni, Indriwati Wenggedes Frensh Wike Ayu Eka Putri Winata, Aliahardi Yanti Sri Wahyuni Yuhelna Yuliani, Rahma Yusni Ikhwan Siregar ‘Ibaadurrahmaan, Khansa Khafiya