Pengaruh Non Performing Loan dan BI Rate terhadap Return on Asset Pada Bank Umum

Abstract

The research aims to know the effect of Non Performing Loan (NPL) and Interest Rate of Bank Indonesia towards Return On Asset (ROA). Population in this research are listed commercial bank on Indonesia Stock Exchange (IDX) period in 2014 – 2018. The sampling of the research was performed using the method of purposive sampling. Obtained by amount sample as much 33 bank from 45 commercial banking company listed on Indonesian Stock Exchange in period 2014 – 2018. Research methodology on this research using associative method with quantitative approachment. Data analysis technique used are multi linear regression using IBM SPSS Statistic 24 for Windows software. The result of the survey encountered that partially Non Performing Loan (NPL) had a negative effects toward Return On Asset (ROA) and significant and Interest Rate of Bank Indonesia had a negative effects toward Return On Asset (ROA) and significant. Simultaneously that Non Performing Loan (NPL) and Interest Rate of Bank Indonesia had a significant effect towards Return On Asset (ROA).

Profitability as a Mediation for Problem Loans, Third-Party Funds, BI Rate on Company Value

“…These results do not align with research conducted by Darmawan et al (2020), who found that non-performing loans negatively and significantly affect ROA. Several factors, such as customer needs, cause a high level of credit distribution.…”

“…Bank Indonesia has set this interest rate, which was later changed to the BI 7-Day Repo Rate. The BI Rate's presence impacts the expansion that Indonesian banks are experiencing (Darmawan et al, 2020).…”

Kredit Bermasalah, Dana Pihak Ketiga, Biaya Operasional, Pendapatan Operasional dan Profitabilitas di Lembaga Perkreditan Desa

“…Penurunan tingkat profitabilitas dapat mengancam kelangsungan hidup lembaga tersebut yang dapat membuat LPD tidak dapat bertahan lama karena LPD dapat dikatakan tidak mampu memenuhi kebutuhan LPD tersebut. Hasil penelitian ini di dukung oleh penelitian yang dilakukan oleh Warnayanti & Dewi (2018), Heryanto (2019, Darmawan et al (2020) dan Tanan (2020) yang menunjukkan bahwa kredit bermasalah berpengaruh negatif dan tidak signifikan terhadap profitabilitas.…”

“…menunjukkan bahwa kredit bermasalah berpengaruh negatif dan tidak signifikan terhadap profitabilitas, penelitian yang dilakukan oleh Heryanto (2019) menunjukkan bahwa kredit bermasalah berpengaruh negatif dan tidak signifikan terhadap profitabilitas, penelitian yang dilakukan olehDarmawan et al (2020) menunjukkan bahwa kredit bermasalah berpengaruh negatif dan tidak signifikan terhadap profitabilitas, dan penelitian yang dilakukan oleh Tanan (2020) menunjukkan bahwa kredit bermasalah berpengaruh negatif dan tidak signifikan terhadap profitabilitas. Berdasarkan pemaparan tersebut dapat dirumuskan hipotesis sebagai berikut.…”

The Impact of Non-Performing Loans and the Bi Rate on Return on Assets

“…Banks play an important role in economic growth and economic development cannot be separated from the banking sector. This is because the banking sector has one main function as a financial intermediary between parties who have funds (surplus) and parties who need funds (deficit) (Darmawan et al, 2020). The main objective of banking operations is to achieve maximum profitability.…”