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All Journal Jurnal Akuntansi Kompetif Jurnal Comparative : Ekonomi Dan Bisnis
Silitonga, Cristin Erni Juliani
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Economics, Econometrics & Finance

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ANALISIS NON PERFORMING LOAN TERHADAP CAPITAL ADEQUACY RATIO PADA PT BCA Tbk Simanjuntak, Evelyn Angelia; Aurelya Zai, Cindy Tania; Nauli Sinaga, Elisabet Sihol; Silitonga, Cristin Erni Juliani; Sitompul, Ibrani Natasya; Hasugian, Christnova; Siallagan, Hamonangan
Jurnal Akuntansi Kompetif Vol. 8 No. 1 (2025): Kinerja Keuangan, Akuntabilitas, dan Digitalisasi Laporan pada Sektor Publik da
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/akuntansikompetif.v8i1.2036

Abstract

This study aims to analyze the relationship between Non-Performing Loan (NPL) and Capital Adequacy Ratio (CAR) at PT Bank Central Asia Tbk (BCA). NPL is an indicator of non-performing loans that reflect credit risk in banking, while CAR reflects the adequacy of capital in bearing financial risks. The results showed that there is a negative relationship between NPL and CAR with a correlation coefficient of -0.520, although it is not statistically significant with a significance value of 0.652 (>0.05). In addition, the coefficient of determination analysis shows that NPL contributes 27.04% to changes in CAR, while the rest is influenced by other factors not examined in this study. This study provides insights for bank management and regulators in improving credit risk management strategies to maintain national banking stability.
ANALYSIS OF THE APPLICATION OF CREDIT RISK MANAGEMENT IN MINIMIZING NON-PERFORMING FINANCING Silitonga, Cristin Erni Juliani; Siringoringo, Magdalena Judika Br; Saribu, Ardin Dolok
Jurnal Comparative: Ekonomi dan Bisnis Vol 7, No 2 (2025): May
Publisher : Univesitas Muhammadiyah Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/combis.v7i2.13973

Abstract

The application of risk management in banking can increase shareholder value, provide information to bank managers about possible future losses, improve methods and make systematic decisions based on available information. The purpose of this study is to find out and analyze the application of risk management carried out by the bank to minimize the risk of non-performing financing at Bank Sumut KCP Sei Sikambing. The type of data used in this study is qualitative data, in the form of explanatory data on the implementation of risk management to minimize the risk of non-performing financing of Bank Sumut KCP Sei Sikambing in 2022-2024. The data analysis method used is a descriptive analysis method. The results of the study show that Bank Sumut KCP Sei Sikambing Medan has implemented credit risk management well, namely through the supervision of the board of commissioners and directors, policies, procedures and limit determination, identification, measurement, monitoring and credit risk management information system, and credit risk control. As well as conducting a customer feasibility analysis using a 7P analysis. The success of Bank Sumut KCP Sei Sikambing can be proven through an NPL ratio that does not exceed the provisions of Bank Indonesia by 5%.
Co-Authors Aurelya Zai, Cindy Tania Hamonangan Siallagan Hasugian, Christnova Nauli Sinaga, Elisabet Sihol Saribu, Ardin Dolok Simanjuntak, Evelyn Angelia Sitompul, Ibrani Natasya