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Kusumawardhani, Aninditha Putri
Program Studi Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Informatika Dan Bisnis Indonesia
Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Mathematics Social Sciences Other

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Journal : Operations Research: International Conference Series

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Analysis of Non-Performing Loans at PT Bank BRI Tbk (2019–2023) Musadat, Irfan Achmad; Putra, Okta Eka; Kusumawardhani, Aninditha Putri
Operations Research: International Conference Series Vol. 6 No. 3 (2025): Operations Research: International Conference Series (ORICS)
Publisher : Indonesian Operations Research Association (IORA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47194/orics.v6i3.400

Abstract

This study aims to analyze the Non-Performing Loan (NPL) ratio of PT Bank BRI Tbk during the 2019–2023 period by applying a descriptive approach combined with horizontal financial analysis. The research relies on secondary data obtained from the bank’s published financial statements on the Indonesia Stock Exchange (IDX). The analysis focuses on NPL as a key indicator of credit risk without exploring causal relationships among variables. The findings show that Bank BRI’s NPL ratio remained below the regulatory threshold of 5% set by Bank Indonesia, indicating that the bank was in a relatively stable condition. However, annual fluctuations highlight the importance of strengthening credit risk management, particularly in periods of economic uncertainty and aggressive credit expansion. The results emphasize that while the overall performance remains within a safe limit, proactive strategies are required to sustain long-term credit quality.
Co-Authors Adhitya Reynickha Fatullah Aggi Panigoro Sarifiyono Agung Pramayuda Anindita, Intan Putri Puspa Azkia, Zahra Nurul Dewi, Wulan Sari Dikdik Purwadisastra Elan Rusnendar Fitrianingsih, Yoan Irfan Achmad Musadat Niken Safitri Ningrum, Kania Ningrum, Retno Widya Noviyanti, Lina Nursantika, Taufan Okta Eka Putra Priyana, Indarta Pujianto, Anang Bambang Purnama, Susan Purwadisastra, Dikdik Putra, Okta Eka Retno Widya Ningrum Saberina, Sabilla Simarmata, Harianto Susan Purnama Titan Parama Yoga Tsanisa Aulia Taopik Wangi, Risfa Mustifa