PENGARUH SIZE, LDR, ROA, CAR DAN TOTAL LOAN
TERHADAP NON PERFORMING LOAN SEKTOR
PERBANKAN YANG TERDAFTAR
DI BURSA EFEK INDONESIA
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
LAMEN, STEVANUS REDOMTORIS MOA
Subject
657.9 - ACCOUNTING-BANK
Datestamp
2018-02-12 06:16:26
Abstract :
Conventional Commercial Bank susceptible to problems in terms of problem loans because credit is the main income source of a conventional commercial bank. This research aim is to know determine the factors that influence the non-performing loan (Case Study on Commercial Bank listed in Indonesia Stock Exchange in the period 2010-2012), the factors used in this study is the Size (Size Bank), Loan to Deposit Ratio (LDR), Return On Asset (ROA), Capital Adequacy Ratio (CAR), and Total Loan. This research was conducted with purposive sampling. The samples used were 30 commercial banks listed on the Indonesia Stock Exchange in the period 2010-2012. The data used in this study were obtained from the Annual Financial Statements of Banking 2010- 2012. Methods of data analysis using multiple linear regression analysis to determine the effect of Size, Loan to Deposit Ratio (LDR), Return On Asset (ROA), Capital Adequacy Ratio (CAR), Total Loans to Non Performing Loan (NPL) banking companies listed in Indonesia Stock Exchange. From the analysis shows that Return On Asset (ROA) has a negative and significant effect on the Non Performing Loan, while the Size (Size Bank), LDR, Capital Adequacy Ratio (CAR), and Total Loan does not have the significant influence on the Non Performing Loan (NPL). The implications of this research showed non-performing loans is one indicator ROA improvement shown by the increase in income . Keywords : Non Performing Loan, Size, LDR, ROA, CAR, Total Loan
Conventional Commercial Bank susceptible to problems in terms of problem loans because credit is the main income source of a conventional commercial bank. This research aim is to know determine the factors that influence the non-performing loan (Case Study on Commercial Bank listed in Indonesia Stock Exchange in the period 2010-2012), the factors used in this study is the Size (Size Bank), Loan to Deposit Ratio (LDR), Return On Asset (ROA), Capital Adequacy Ratio (CAR), and Total Loan. This research was conducted with purposive sampling. The samples used were 30 commercial banks listed on the Indonesia Stock Exchange in the period 2010-2012. The data used in this study were obtained from the Annual Financial Statements of Banking 2010- 2012. Methods of data analysis using multiple linear regression analysis to determine the effect of Size, Loan to Deposit Ratio (LDR), Return On Asset (ROA), Capital Adequacy Ratio (CAR), Total Loans to Non Performing Loan (NPL) banking companies listed in Indonesia Stock Exchange. From the analysis shows that Return On Asset (ROA) has a negative and significant effect on the Non Performing Loan, while the Size (Size Bank), LDR, Capital Adequacy Ratio (CAR), and Total Loan does not have the significant influence on the Non Performing Loan (NPL). The implications of this research showed non-performing loans is one indicator ROA improvement shown by the increase in income . Keywords : Non Performing Loan, Size, LDR, ROA, CAR, Total Loan
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