PENGARUH NON-PERFORMING LOAN TERHADAP RENTABILITAS BANK UMUM KONVENSIONAL

Ekono Insentif

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Title PENGARUH NON-PERFORMING LOAN TERHADAP RENTABILITAS BANK UMUM KONVENSIONAL
PENGARUH NON-PERFORMING LOAN TERHADAP RENTABILITAS BANK UMUM KONVENSIONAL
 
Creator Kristiastuti, Francisca
 
Description Non-Performing Loan (NPL) are those loans that having difficulty paying off for principal and interest for more than 90 days. The more bad-debt in a bank, it will reduce their profit. The purpose of the study was to ensure that non-performing loan affected the profitability of commercial banks in Indonesia . The research period is January 2014 through December 2016. The study used secondary data. Profitability measured by return on asset (ROA) is used as dependent variable and NPL is used as independent variable. Data was analyzed by using simple linear regression, and the influence between variables is calculated using the coefficient determination. The results showed that NPL has statistically significant negative impact on ROA for the study periods. The relationship between the Non-Performing Loan (NPL) and Return on Asset (ROA) was 67,9%. The rest is affected to other factor which was not as Non-Performing Loan (NPL).
Kredit bermasalah (Non-Performing Loan/NPL) adalah pinjaman yang mengalami kesulitan pelunasan baik pokok maupun bunga pinjaman untuk jangka waktu lebih dari 90 hari. Semakin banyak kredit bermasalah pada bank, maka keuntungan bank akan semakin berkurang. Penelitian ini bertujuan untuk menemukan bukti bahwa terdapat pengaruh antara Non-Performing Loan (NPL) terhadap rentabilitas bank umum konvensional di Indonesia. Data yang digunakan adalah data sekunder, yaitu rasio NPL sebagai variabel independen, sedangkan variabel dependennya adalah ROA. Periode penelitian adalah bulan Januari 2014 hingga Desember 2016. Data diuji dengan menggunakan regresi linier sederhana, sedangkan besarnya sumbangan pengaruh antar variabel digunakan teknik statistik dengan menghitung besarnya koefisien determinasi. Hasil penelitian menunjukkan bahwa NPL berpengaruh negatif dan signifikan terhadap Return on Asset (ROA). Pengaruh Non Performing Loan (NPL) terhadap Return on Asset (ROA) adalah 67,9%, sisanya dipengaruhi oleh faktor lain selain variabel Non-Performing Loan (NPL).
 
Publisher LLDIKTI WILAYAH IV
 
Date 2017-10-02
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Artikel Peer-review
 
Format application/pdf
 
Identifier https://jurnal.lldikti4.or.id/index.php/jurnalekono/article/view/16
 
Source Ekono Insentif; Vol 11 No 2 (2017): Ekono Insentif; 45-51
Ekono Insentif; Vol 11 No 2 (2017): Ekono Insentif; 45-51
2654-7163
1907-0640
 
Language ind
 
Relation https://jurnal.lldikti4.or.id/index.php/jurnalekono/article/view/16/15
 

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