FAKTOR-FAKTOR PENENTU NON-PERFORMING LOAN PADA BANK KOMERSIAL DI INDONESIA

Abstract

This study aims to determine whether LDR, CAR, BOPO and NIM influence NPL in conventional banks listed on the Indonesia Stock Exchange (IDX) for the 2015-2020 period. This study uses secondary data using annual financial statements. The conventional banks that were selected as samples in this study were 29 banks. The analysis technique used in this research is panel data regression. The results obtained in this study show that simultaneously LDR, CAR BOPO and NIM have an effect on Non-Performing Loans (NPL), while partially CAR, BOPO and NIM have an effect on NPL while LDR has no effect on NPL.