<![CDATA[Banks generally in carrying out their operations to obtain business results are always faced with a risk. One of the risks experienced by a Bank is the ratio of non-performing loans or what is called Non NPL. Based on Bank Indonesia regulations, banks have a potentially dangerous if the bank has an NPL ratio of more than 5%. This study aims to analyze the influence of Inflation, CAR, NIM, and BOPO on NPLs in Commercial Banks in Indonesia for the 2016-2017 period. This research was conducted using quantitative methods. The data used in this study are financial statements of 20 commercial banks in 2016-2017 on the official Indonesian Stock Exchange (IDX) website, this study uses multiple linear regression analysis as a data analysis tool. From the results of partial analysis of Inflation 0.300 ⥠0.05 and NIM 0.190 ⥠0.05, which means that there is no significant effect on Non-Performing Loans (NPL), while CAR 0.007 ⤠0.05, but the T value is -2.879 which means that it is influential but not significant to NPL and BOPO 0.035 ⤠0.05 has a significant influence on NPL. While simultaneously showing that Inflation, CAR, NIM and BOPO have a significant influence on NPLs of 53.1%.Keywords: Non Performing Loans (NPL), Inflation, Capital Adequacy Ratio (CAR), Net Interest Margin (NIM), and Operational Income Operating Costs (BOPO)]]>
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