ANALISIS PENGARUH VARIABEL KINERJA BANK (CAR, ROA, BOPO DAN LDR), SERTA PERTUMBUHAN KREDIT DAN KUALITAS KREDIT TERHADAP NON PERFORMING LOAN (NPL)
ABSTRACT: Credit
is the main activity and used to be the largest source of income for the
Conventional Commercial Bank, so it requires more attention for the crediting
activity when considering that any banking activity is always exposed to
various risks. Even though the bank's management has made various efforts to
control the lending process, the banks potentially exposed by credit risk. This
study aimed to examine the effect of CAR, ROA, ROA, LDR, Credit Growth and
Credit Quality to the Non-Performing Loan (NPL). This study used a population
of 120 commercial banks in Indonesia on period 2013-2015. Based on purposive
sampling, obtained a sample of 12 bank which has NPL ratio above 5% for at
least three quarters in the study period. The analytical method used in this
research is Multiple Linear Regression Analysis. Based on test results, LDR and
Credit Growth showed a negative relationship with Non-Performing Loan (NPL),
but these variables have no significant effect on Non-Performing Loan (NPL),
while CAR, ROA and BOPO have negative significant effect on the Non-Performing
Loan (NPL). Credit quality with proxied by Loan Loss Provision (LLP) ratio has
significant positive effect on the Non-Performing Loan (NPL).
Keywords:
Non-Performing Loans, CAR, LDR, Credit Growth, Loan Loss Provision
Penulis: Ervinna Chandra Kusuma, A Mulyo Haryanto
