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All Journal Journal of Economic, Bussines and Accounting (COSTING) International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) ARSY : Jurnal Aplikasi Riset kepada Masyarakat INVEST : Jurnal Inovasi Bisnis dan Akuntansi Jurnal Ekonomi KIAT e-Jurnal Apresiasi Ekonomi Jurmas Azam Insan Cendikia
Sinta Yulyanti
Fakultas Ekonomi Universitas Islam Riau
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Impact of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on the Profitability of Conventional Commercial Banks Listed on the Indonesia Stock Exchange Sinta Yulyanti; Poppy Camenia Jamil; Janatri Habillah; Siti Intan Nurdiana Wong Abdullah
INVEST : Jurnal Inovasi Bisnis dan Akuntansi Vol. 5 No. 2 (2024): INVEST : Jurnal Inovasi Bisnis dan Akuntansi
Publisher : Lembaga Riset dan Inovasi Al-Matani

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Abstract

This study examines the effect of Non-Performing Loans (NPL) and Loan-to-Deposit Ratio (LDR) on Return on Assets (ROA) in the banking sector on the Indonesia Stock Exchange over a period of 10 years, from 2011 to 2020. The analysis uses panel data from 14 conventional commercial banks listed on the IDX, with a total of 138 observations spanning from 2011 to 2021. Static panel data regression is employed for the analysis. The results indicate that the NPL variable has a significant negative effect on ROA, with a probability value of 0.0002, which is smaller than the 5% significance level. The coefficient of -0.253098 suggests that a 1% increase in NPL leads to a 0.253098% decrease in ROA. This finding implies that higher levels of non-performing loans negatively impact bank profitability by slowing down bank operations. In extreme cases, increased bad debts could reduce a bank's ability to guarantee public funds, potentially leading to systemic risk.
Co-Authors Devi Kurniawati Diana Darmawani Br Panjaitan Ficky Andrian Govalyan Sasi Haugesti Diana Janatri Habillah M. Irfan Rosyadi Muhammad Nur Muhammad Rakin Nova Andriani Nuriman M. Nur Poppy Camenia Jamil Rafli Ismail Siti Intan Nurdiana Wong Abdullah Sundari, Eva Syakirah Putri Septian Yul Efnita Yuliana Indah Sari