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All Journal Martabe : Jurnal Pengabdian Kepada Masyarakat JURNAL PENDIDIKAN TAMBUSAI PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Review Pendidikan dan Pengajaran (JRPP) Abdimas: Papua Journal Of Community Service Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Innovative: Journal Of Social Science Research Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Jurnal IlmiahManajemen, Bisnis dan Ekonomi Kreatif Indonesian Journal of Innovation Multidisipliner Research
Meiriyanti, Rita
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Journal : Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE)

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Pengaruh Non Performing Loan dan Loan to Deposit Ratio Terhadap Kinerja Keuangan dengan Net Interest Margin Sebagai Variabel Intervening: Studi pada Bank BUMN yang Terdaftar di IDX Nofiyati, Rizqi Amaliya; Widiastuti, C. Tri; Meiriyanti, Rita
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 4 No. 2 (2025): Oktober: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v4i2.6232

Abstract

This study aims to analyze the effect of Non-Performing Loans (NPLs) and the Loan-to-Deposit Ratio (LDR) on bank financial performance, as measured by Return on Assets (ROA), with Net Interest Margin (NIM) as an intervening variable in banking companies listed on the Indonesia Stock Exchange during the 2021-2023 period. The research method used is quantitative research with a causal-comparative approach. The data used in this study is secondary data sourced from the financial reports of banking companies accessible through the official IDX website. The population in this study is banking sector companies listed on the Indonesia Stock Exchange, with a sample of 35 companies selected using a purposive sampling method based on certain criteria. The independent variables in this study are Non-Performing Loans (X1) and Loan to Deposit Ratio (X2), while the dependent variable is Return on Assets (Y) and the intervening variable is Net Interest Margin (Z). Data analysis techniques in this study use panel data regression, classical assumption tests, t-tests, coefficients of determination, and Sobel tests. The results of this study indicate that NPL has no effect on NIM, while LDR has an effect on NIM, NPL has an effect on ROA, LDR has no effect on ROA, NIM has an effect on ROA, NIM does not mediate the relationship between NPL and ROA, and NIM mediates the relationship between LDR and ROA.
Co-Authors Bawazir, Muhammad Najib Bayu Kurniawan Chadyan Fathurachman Choirunnisa, Lutfi Efendy, Mukhammad Adhe Sofyan Efriyani Sumastuti Fitriana, Lisa Heri Prabowo hikmawati, nurul Hutami, Dhevi Salsabila Meidiana Indriasari, Ika Ira Setiawati, Ira Kusuma Wardhani, Arrum Gusti Lailatul Dewi, Lina Sofi Maysah, Ummi Muhammad Stalastul Mustofa Nofiyati, Rizqi Amaliya Noventia Karina Putri Oktaviani, Regina Qristin violinda Ratih Hesty Utami Puspitasari Ratih Milati Ilham Rinawati, Tri Saputri, Titania Variska, Utari Widiastuti, C. Tri Yani, Tri Endang