ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NON PERFORMING LOAN PADA BPR KONVENSIONAL PROVINSI BALI YANG TERDAFTAR DI OJK TAHUN 2018

Abstract

Non performing loan is the ratio of problem loans which is the biggest obstacle for banks. The lower the NPL ratio shows the better the condition of a bank. Conversely, the higher the NPL ratio shows the worse the condition of a bank. This study aims to re-analyze the effect of the variable loan to deposit ratio, operating costs to operating income (BOPO), and company size to the ratio of non-performing loan (NPL) in rural banks (BPR). The sample in this study was 133 BPR Conventional Province of Bali registered with the Financial Services Authority (OJK) for the period 2018. Determination of the sample using a purposive sampling method. The analytical tool used is multiple linear regression analysis with a significance level of 0.05. The results showed that the variable loan to deposit ratio (LDR) and company size had no effect on non-performing loan (NPL). While the operational cost variable to operating income (BOPO) has a positive effect on non-performing loan (NPL). Taken together (simultaneous) variable loan to deposit ratio (LDR), operating costs to operating income (BOPO), and company size affect the non-performing loan ).