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All Journal Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah
Setiawan, Ervan
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Economics, Econometrics & Finance Education Social Sciences Other

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THE INFLUENCE OF LDR AND NPL ON THE PROFITABILITY OF RURAL BANKS: A SYSTEMATIC LITERATURE REVIEW (2021–2025) Anwar, Khairil; Pardosi, Pardomuan; Sulistyowati, Tussi; Maia, Fonseca de Jesus; Setiawan, Ervan
Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah Vol 11 No 1 (2025): Jurnal Ekonomica Sharia : Jurnal Pemikiran dan Pengembangan Ekonomi Syariah - Ag
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/esha.v11i1.1566

Abstract

Profitability is a key indicator of the sustainability of Rural Banks (BPR), which play an important role in supporting local economies. This study systematically reviews the relationship between Loan to Deposit Ratio (LDR), Non-Performing Loans (NPL), and BPR profitability using a Systematic Literature Review (SLR) approach. Articles were selected from reputable international databases published between 2015 and 2024 based on topic relevance and empirical methodology. The findings reveal that LDR has a positive impact on profitability when managed proportionally, while NPL has a significant negative effect due to increased credit risk. Rural BPR face greater challenges compared to commercial banks because of limited asset diversification and dependence on micro-agricultural sectors. This study highlights the importance of risk management, adaptive regulation, and digitalization of banking services as strategies to enhance BPR performance, and provides theoretical and practical insights for policy and managerial development.
Co-Authors Khairil Anwar Maia, Fonseca De Jesus Pardosi, Pardomuan Sulistyowati, Tussi