PENGARUH NON PERFORMING LOAN (NPL) DAN BUNGA PINJAMAN TERHADAP TINGKAT PROFITABILITAS BANK UMUM SWASTA NASIONAL - Mardi, Mardi; Faradila, Liya (Jurnal Organisasi Dan Manajemen, 2016)
This article aims to examine the effects caused by the non-performing loan (NPL) and interest on loan to the profitability of Indonesian private national bank in 2013. Data were obtained from Bank of Indonesia and the websites of each bank in 2013. This study used a random sampling technique which contains 55 National Private banks. The study states that there is a negative and significant impact of NPL with the profitability of the sample banks. While the interest on loan has a significant and positive effect to the profitability of the banks. Simultaneously, NPL, and interest on loan has a significant and positive effect to profitability of private national banks. Thus, the national private commercial banks should consider the level of interest on loan, which will have an impact on NPL and always pay attention to the interest on loan to achieve the level of profitability.   Artikel ini bertujuan menguji pengaruh yang disebabkan oleh Non Performing Loan (NPL) dan bunga pinjaman terhadap profitabilitas bank umum swasta nasional tahun 2013. Data yang diuji diperoleh dari Bank Indonesia dan website masing-masing bank tahun 2013.Penelitian ini menggunakan teknik random sampling sebanyak 55 Bank Umum Swasta Nasional.Hasil penelitian menyatakan bahwa terdapat pengaruh negatif dan signifikan antara NPL dengan profitabilitas bank umum swasta nasional. Sementara itu bunga pinjaman dengan profitabilitas bank umum swasta nasional berpengaruh positif signifikan. Secara simultan, NPL, bunga pinjaman dan profitabilitas bank umum swasta nasional berpengaruh positif signifikan. Dengan demikian, bank umum swasta nasional harus memperhatikan tingkat penyaluran kredit yang akan berdampak pada NPL dan memperhatikan bunga pinjaman untuk mencapai tingkat profitabilitasnya.