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All Journal Jurnal Ilmiah Mahasiswa Jurnal Pengabdian kepada Masyarakat Nusantara Journal of Economics and Business UBS Jurnal Pengabdian Masyarakat Nusantara Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research
Endang Sri Utami, Endang
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Journal : Moneter : Jurnal Keuangan dan Perbankan

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Asset Management Moderates Liquidity Against Non-Performing Loans Wulandari, Ika; Sri Utami, Endang
Moneter: Jurnal Keuangan dan Perbankan Vol. 12 No. 1 (2024): APRIL
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v12i1.567

Abstract

This study was conducted with the aim of knowing the influence of liquidity proxied with Loan to Deposit Ratio (LDR) on Non-Performing Loans proxied with Non Performing Loans (NPL). In addition, research was also conducted to determine the ability of asset management to moderate liquidity against problem loans. This type of research is quantitative research using secondary data. The study was conducted on Rural Banks in Indonesia. Samples were taken by purposive sampling method and obtained from 38 banks. By taking the research period for 2 years, namely in 2020 and 2021, 76 research data were obtained. Research data is obtained from the Otoritas Jasa Keuangan web and bank financial statements. Data analysis was performed using MRA using the SPSS Test tool Ver. 23. The results of the study showed that LDR had a negative effect on NPL. Asset Management can moderate that is, strengthen the relationship between LDR and NPL. The implications of the results of this study can be used by Rural Banks in taking policies related to the distribution of credit. Rural Banks remains cautious in determining the eligibility of prospective debtors to reduce NPL by applying the principles of creditworthiness.
Co-Authors Devi Priyantika, Devi Dwi Ayu Kurniawati, Fahmi Ika Wulandari Lisanti -, Lisanti Lukluk Al-Maknun Mujaddidah, Shibghatallah Maan, Marsela Yunita Meilida Sofiana, Ervina Nabilah Fairussiyah, Nabilah Putri Dhija, Astri Rahma Warnika, Widia Tuti Yuniatun, Tuti