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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Sumarni, Ade
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengaruh Capital Adequacy Ratio, BOPO, dan Loan to Deposit Ratio terhadap Non-Performing Loan pada Bank Konvensional di Indonesia yang Terdaftar BEI Sumarni, Ade; Rahmatika, Dien Noviany; Yunita, Eva Anggra
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 11 No 1 (2026): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v11i1.7608

Abstract

This study aims to examine the effect of the Operating Expenses to Operating Income ratio (BOPO), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), and the implementation of Good Corporate Governance (GCG) on non-performing loans (NPL) in conventional banks listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. This research employs a quantitative approach using secondary data from annual financial statements. The sample was selected using purposive sampling, resulting in 33 banks observed over five years (165 observations). Multiple linear regression analysis was applied using IBM SPSS software. The findings indicate that BOPO and LDR have a positive and significant effect on NPL. Meanwhile, CAR has a negative but insignificant effect on NPL. In contrast, GCG has a negative and significant effect on NPL. This study is expected to provide insights for banking management to improve operational efficiency, strengthen credit risk management, and enhance corporate governance practices in order to reduce bad credit risk.    
Co-Authors Dien Noviany Rahmatika Yunita, Eva Anggra