Pengaruh Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) terhadap Kinerja Keuangan Perbankan

Abstract

This study aims to identify whether financial ratios as measured by non-performing loans (NPL) and Loan To Deposit Ratio (LDR) have an effect on financial performance which is proxied by Net Interest Margin (NIM). The results of this study found that the level of bad loans or NPLs had a negative effect on financial performance. This is because the Bank's income does depend on the receipt of loan interest from the Customer. Meanwhile, LDR does not have a positive effect on financial performance with the assumption that a low LDR will cause the company's liquidity to increase and in the end it will also increase the quantity of idle funds which will have a direct impact on financial performance.

Analisis Kecukupan Modal Bank Umum di Indonesia (Studi Kasus pada Sektor Perbankan yang Terdaftar di BEI Periode 2017-2021)

“…Jika pendapatan operasi tidak mampu menutup seluruh biaya atau bank mengalami kerugian, maka akan mengurangi modal bank (Rifan dan Qintharah, 2021). Putri et al, (2021) menyatakan bahwa rasio LDR akan memberikan sinyal positif ketika nilai rasio tersebut tinggi. Tingginya nilai rasio LDR menunjukan semakin banyaknya kredit yang disalurkan oleh bank.…”

Analisis Perbandingan Kinerja Keuangan Perbankan Sebelum, Saat, Dan Sesudah Pandemi Covid 19

“…Hal ini penting dilakukan untuk mengurangi risiko kredit yang dihadapi oleh bank. (Putri et al, 2021) Non Performing Loan dapat dihitung dengan menggunakan rumus :…”