Determinan Non-Performing Loan Bank Umum Konvensional Di Indonesia Tahun 2019.01-2023.12
DOI:
https://doi.org/10.31315/jer.v16i2.13070Keywords:
Non Performing Loan (NPL), Return On Assets (ROA), Biaya Operasional Pendapatan Operasional (BOPO), Loan To Deposit Ratio (LDR), BI-Rate Dan Error Correction Model (ECM).Abstract
Penelitian ini bertujuan untuk dapat menganalisis determinan dari Non Performing Loan (NPL) pada bank umum konvensional di Indonesia pada tahun 2019.1 - 2023.12. Jenis data yang digunakan pada penelitian ini menggunakan data sekunder yang bersumber dari Badan Pusat Statistik (BPS) dan laporan statistik perbankan Indonesia (SPI) yang diterbitkan oleh Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan metode Error Correction Model (ECM) dengan bantuan software pengolah data EViews-10. Hasil studi menunjukan bahwa dalam jangka pendek variabel biaya operasional pendapatan operasional (BOPO) berpengaruh positif, sementara variabel return on assets (ROA), loan to deposit ratio (LDR) dan BI-Rate tidak berpengaruh terhadap Non Performing Loan (NPL). Sedangkan dalam jangka panjang variabel return on assets (ROA) dan biaya operasional pendapatan operasional (BOPO) berpengaruh positif, variabel BI-Rate berpengaruh negative, sementara variabel loan to deposit ratio (LDR) tidak berpengaruh terhadap Non Performing Loan (NPL).
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