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All Journal Buletin Studi Ekonomi Jurnal Ilmiah Akuntansi dan Humanika Media Komunikasi FPIPS Jurnal Ekonomi Modernisasi Journal of Economic, Bussines and Accounting (COSTING) JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) EQIEN - JURNAL EKONOMI DAN BISNIS JIA (Jurnal Ilmiah Akuntansi) Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi International Journal of Economics Development Research (IJEDR) Publik: Jurnal Manajemen Sumber Daya Manusia, Administrasi dan Pelayanan Publik Prospek: Jurnal Manajemen dan Bisnis Cakrawala Repositori Imwi Prima Abdika: Jurnal Pengabdian Masyarakat JURNAL ILMIAH GLOBAL EDUCATION
Fridayana Yudiaatmaja
Universitas Pendidikan Ganesha
Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Pengaruh Capital Adequacy Ratio, Return on Assets, Loan to Deposit Rasio dan Biaya Operational Pendapatan Operational Terhadap Non-Performing Loan pada Bank Konvensional Prayuningsih, I Gusti Ayu; Yudiaatmaja, Fridayana; Suci, Ni Made
Jurnal Ilmiah Global Education Vol. 5 No. 1 (2024): JURNAL ILMIAH GLOBAL EDUCATION, Volume 5 Nomor 1, Maret 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v5i1.2355

Abstract

In the process of providing credit, banks are faced with the risk of bad debts, where the borrower is unable or unwilling to repay the loan that has been granted. This risk can be caused by economic factors such as slowing growth, market instability, or a financial crisis. In addition, internal factors such as imprudent credit policies, poor risk management, or the bank's inability to conduct effective monitoring can also contribute to bad debt risk. This study aims to analyze the effect of capital adequacy ratio, return on assets, loan-to-deposit ratio and operating expenses on non-performing loans in conventional banks. The type of research used is quantitative with a cross-sectional approach. The number of conventional banks sampled was 20, with an observation period of 2021–2022, using quarterly data. The data analysis technique uses multiple linear regression analysis using three alternative regression models, namely the common effect model (CEM), fixed effect model (FEM), and random effect model (REM). The application used for testing is e-Views 12.  Hypothesis testing is done with the t test. The results showed that the final model chosen was the REM) The panel data regression model on the percentage of NPL data estimated with the REM is shown in the equation. NPL = 1.139 - 0.028*CAR - 0.002*ROA + 0.012*LDR + 0.018*BOPO. CAR variables have a negative and significant effect on NPL; ROA has a negative and significant effect on NPL; and LDR has a positive and significant effect on NPL. BOPO has a negative and significant effect on NPL.
Co-Authors Adimahendra, Made Risky Anak Agung Istri Sri Wiadnyani Anjar Nora Vurry Apriliani, Putu Ayu Ardi, Ni Luh Arif, Zuhdi Cahya, Putu Fenta Pramudya Dandy Krisnaya, Gede Dewi, Komang Inten Tresna Dewi, Luh Linda Trisna Diantara, Gede Agus Elmi, Fitrina Sandhita Gede Putu Agus Jana Susila Gede Wira Kusuma I Ketut Kirya I Wayan Suwendra Isuwari, Luh Putu Febrina Widia Juniantari, Ni Wayan Putu Suci Ketut Gunawan Kirya, I Ketut Komang Endrawan Sumadi Kusuma, Ni Kadek Sekar Dewi Lutfi, Aden Winangun Made Pipik Sustriani Made Suci, Ni Meitriana, Made Ary Ni Kadek Sinarwati Ni Ketut Adi Mekarsari Ni Luh Anggita Dewi Ni Luh Henny Andayani Ni Luh Wayan Sayang Telagawathi Ni Made Ary Widiastini Ni Made Suci Ni Made Suriani Ni Putu Juni Asmariati Nyoman Suandana Prayuningsih, I Gusti Ayu Putu Fenta Pramudya Cahya Rahutama Atidira Ruwiasri, Luh Lita Sandy Candra Saputra Saputra, Sandy Candra Sayang, Kadek Sintia Setiawan, I Komang Jaya Sumajaya, I Gede Suryani Mariapul Simanjuntak Sustriani, Made Pipik Trianasari Trianasari . Vurry, Anjar Nora Weijie, Zhao Wensensius Ngampus Wijayanti, Ni Made Vincentia